Our little yorkie has had a rough life with a liver shunt surgery and now, a patella luxation. Both surgeries were scary for us but we didn't have to worry about our coverage once! $60 a month for 3 years and we have submitted nearly $6,000. We also like the direct payment with our vets because all we have to do is pay 10% and the tax as trupanion reimburses our vet directly. Thank you so much!!!