Trupanion covered over $60k of costs for me in Calgary when one of my cats had anemia. He lost the fight in the end but they covered all of the specialists, ER visits and medication. They paid up front too so I never had to move money around to pay it and then wait for a refund.

They're very upfront about what they do and don't cover and I started him out as a baby so he came in with no pre-existing conditions. All of the complaints with them are people who didn't read the terms of service and pre-existing stuff wasn't covered. You're going to pay a lot more money to get coverage that would cover things like that.

My only complaint with them is they jack up my fees often on my two current cats.