I learned my lesson the hard way by not having excellent insurance for my beloved Maltese Logan. He needed a Knee replacement and soon after was diagnosis with severe CHF. The medicine was approx. $500 a month and the grand total I needed to borrow from my 401K was $30,000. I am still paying off this loan for 3 more yrs and my beautiful Maltese has been gone 16 months now. I made the mistake of purchasing a "cheap" policy, and you truly get what you pay for!! My family has since welcomed a beautiful Golden Retriever into our lives. I did my homework on breeders and Insurance companies. I needed to know that money would never be the reason I would not be able to give our family pet the best medical care he deserved. The only company I would consider was Trupanion. They must go out of there way to hirer the most compassionate dog loving staff! I choose a policy that would reimburse 90%%of the billed amount with no deductible, and insured my dog at exactly 8wks of age. Everyone thought I was crazy to "waste" money on a healthy pup, but I felt such an urgency to have this dog covered. I could never afford to do what i did out of pocket for my last dog, however we all know once you fall madly in love with your pet there isn't much you wouldn't do for them. To make a very long story short, my beautiful Golden named Chase, was neutered at 8 wks old, We decided to have hip x-rays for a baseline. As my luck would have it, Chase had severe hip dysplasia, 90% Right hip and 70% Left hip.