I did a lot of research before I ended up with Trupanion to cover my 65lbs. baby~! He recently has undergone TTA surgery and Trupanion has been with me every step of the way. They have been very prompt, friendly and covered 90% of that $3,000 surgery. I went through the pre-approval process and had my check shortly after the surgery. Jake, my dog, had a follow up xray and they even covered that. ***I couldn't praise Trupanion enough.*** The truth is you never know when you are going to need insurance but, you will be thankful to have Trupanion when the time unfortunately comes.