When we got our golden retriever puppy Captain in July I didn't want to have the shocking vet bills that we have had from time to time with our cat so I got Trupanion pet insurance with a hip dysplasia rider. When Captain started limping, he had two office visits, x-rays, and finally an office visit with a surgeon. Trupanion not only paid 90% of most of the cost of those three visits and the x-rays, but they also pre-approved payment for 90% of his surgery which will total about $6,000. The turn around time from submitting my claims to receiving the checks was very fast - around 10 days I think. I am very thankful to be able to provide first class medical care to Captain without an extreme shock to my budget or, worse, having to watch him live in pain for the rest of his life since he's only 9 months old.