My rescue dog,Riley, tore her cruciate ligament while chasing a bunny. She needed surgery to repair the ligament and it was quite costly. We submitted a claim to Trupanion and within 2-3 weeks 90% of the claim was reimbursed to us after we paid the deductible. Riley also has an ongoing liver problem and Trupanion also reimburses us for 90% of the monthly cost for medicine. I am very glad that we made the decision to insure Riley.