After paying into Trupanion pet health insurance for years I tried to make a claim and they refused to pay even though it was specifically stated that they would do so. Our cat needs prescription cat food which is expensive. They told me after I reached $500 deductible I would get paid 50% of the price of the cat food going forward. Once I reached this level I got a letter stating that they do not cover pet food for ongoing health conditions. That is a total load of garbage. If the cat or dog need prescriptiuon food it would need it for life not a month. I would avoid using Trupanion as it looks like they do not pay out on a claim when your pet needs health care. They cannot be trusted so I would look for another company if you really love your cat or dog. Do not use Trupanion as they are a ripoff and will take your money and not pay you when your pet is sick. Avoid.