My 1 yr old dog started limping & turned out she had severe hip dysplasia in both hips. She needed double hip surgery. Trupanion has been a godsend. They are paying 90% of her surgery, all her meds, even her glucosamine chews. Now she is in rehab to help her get a full recovery, which is also covered. I never could have done all of this for my dog without them. It has made a stressful time easier. I highly recommend this company & getting insurance for your dog! My dog is a shelter rescue got her at 8 weeks & would never have guessed she would have hip dysplasia.