My dog was bit by another dog in his ear and the ear is hard to heal. So after the initial emergency room visit there were several other visits for the continuing problem of this ear. Trupanion did pay, but I had to go back to them over the deductible, as they tried to charge me the $100.00 twice. They did send it back after my Doctor sent them a letter explaining that it was the same problem. So all in all they were good, but right after they paid me I was notified that my monthly policy cost was increasing. I am saying I will not recommend this company due to the rate increase and the initgial visit at the emergency room they paid no part of. They do no pay for Doctor's examination.