I never experience that medical expenses for my dog will be so expensive. I was absolutely bless having this Trupanion before Puffy had dislocated disc. I won't be able to pay for his surgery without the help form Trupanion and Puffy would suffer so much without the surgery. Trupanion is so great not only for his surgery but other treatment as well. The reimbursement is fast and help me reduce the burden of my financial. When any pet owners ask me about getting pet insurance, I speak highly about Trupanion. I am now upgrade my insurance to cover more for Puffy. I'm sure everyone would be very happy with the service.