Trupanion is the way to go! Unfortunately our baby Tubby has been the walking wounded many many times before and he's not even two yet! So we have our fair share of experience with them! We love them! Tubby tore both Knees (ACL) 4 months apart from each other, the last one being four weeks ago and they were amazing. The first surgery was $ 4200.00 and the second around $ 5000.00 and after we met our deductible which was only $200.00 they covered 90% less the exam fee. And that's lifetime, so once you meet a deductible in one medical condition, they cover 90% you cover 10% for the life of policy. Tubby has met his deductible in like 10-12 different conditions (ex: kennel cough, elbow dysplasia). They also have no lifetime payout max which when I was researching all the options, I noticed alot of them have caps, some as low as $ 11,000 from what I remember. Oh! And one more thing that I think is important! They process your claims and send out your checks like super fast, like within 5 days or so! Great customer service. Okay I am done. Sorry for my rambling, I got a little carried away. Good luck! Let me know if you have any questions!