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Love Trupanion. My Maisie's breeder called me one day about a year ago, to say she'd just spent five figures on whatever you call colic surgery when it's a dog. I signed up for Trupanion the next day.
Never been sorry. Maisie developed liver and digestive issues and Trupanion cheerfully repaid me the contractual amount directly to my bank account within days for her tests and treatments.
 
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