Our mixed breed staffordshire terrier tore her ACL while playing. After a few visits to the vet it was determined she had a severely torn ACL and would never walk correctly unless she under went surgery.Trupanion made the decision easy and they dealt with my Vet directly. The claim was processed quickly and very efficiently. We had our check within 2 - 3 weeks after the surgery. I ALWAYS recommend trupanion to all my my dog owning friends.