Our Yorkie is 4 years old - in that time, we have had four claims with Trupanian, two for luxating patella surgery (pins in the knees as the kneecaps pop off); one for being attacked by a Lab; and one for a torn ACL and meniscus in the knee - over $8000 worth. Trupanian has been great - paid very quickly, always within 2 weeks. It was a relief to have the coverage. And today, I got an email that our premiums were decreasing by $4 per month (we only paid $37 per month which I thought was very reasonable). They are GREAT!