Searched high and low for a pet insurance company that would actually cover all the veterinary treatment our pet needed if it was sick or hurt - instead of hitting $$$ limits, hidden sublimits or worse still cover running out. Trupanion is it IMO & hubby agrees. More pricey premiums than others but is worth it because now we will be able to say YES to whatever our pet needs at the vet in an emergency or with an ongoing illness AND they can help us anytime as they have a call-centre which is 24/7. Sis-in-law is a vet nurse who says prices of vet treatment are going up.