Molli had major surgery needing to use a bone saw to cut a V shape groove in her bone on both her back legs for her ligaments, etc to stay in place. The surgery was over 3000.00 and once we paid our deductible amount which is chosen buy us for her policy. Trupanion within 24 hours paid 90% of everything. Molli is doing well and will be completely healed in four months. Trupanion has continued to follow Molli and check up on her.