We puchased pet insurance, didn't thinking we would need it, for our Lab puppy. We also purchased a rider for coverage of hip dysplasia, the most common serious health problem for Labs. I'm so glad we did. It turns out our puppy has severe hip dysplasia with "loose hips." We got 4 opinions and all recommended hip surgery, 3/4 recommending bilateral hip replacement. Our little girl had her first hip surgery and Trupanion was so easy to work with. They made a payment directly to the veterinary clinic without delay. I'm very happy with them.