This company takes a long time to process claims then do all they can to not pay them. Our pet was cryptorchid (testicles did not drop). The vet said they had to go in and remove them or it could cause cancer. It was a complicated surgery but they found them and my dog is fine now. Trupanion refused the claim saying it was just spay/neuter and they don't cover that. The fact that it cost much more than spay/neuter due to the complicated surgery didn't matter to them. They also turned down a claim to an emergency vet for an injured foot because it was an 'exam'. It would be hard for them to determine what was injured without the exam. I then tried to cancel and they won't even do that. They say someone will have to call me back but , you guessed it, they have not called back. Save your money and avoid this company at all cost!