On this episode of Paws on Point, Tim talks with a Trupanion representative about how modern pet insurance really works from unlimited coverage and per-condition deductibles to direct payment at the vet. We explore why budgeting for the unexpected matters, how rising access to specialists changes care (and costs), and why service dog handlers in particular benefit from reliable, fast reimbursement. You’ll hear common myths vs. realities (savings vs. insurance, annual vs. per-condition deductibles), why transparent policies matter, and how a supportive, 24/7 claims team can reduce anxiety in emergencies so you can focus on your dog—not the bill.