Recently my dog tore his cruciate ligament and requires surgery. We just went through this 5 months ago with his other leg. We are so upset that our boy has to go through this again. The shining star in all of this is Trupanion! In less than a week I received a deposit for the initial X-ray and exam. But best of all they have lifted the financial strain by providing an express claim for the surgery. By the end of this operation as well as the first one, Trupanion will have helped us with almost 10,000 dollars. The staff are extremely helpful and genuinely concerned about our dog. Thank God we switched pet insurance from another well known company that kept reducing our coverage and increasing our monthly payments!!!