Our male Morkie had suffered from two bladder infections which are fairly rare in male dogs. They did an xray after the medication didn't clear up the second one and found the bladder stone. Our vet recommended surgery and we went ahead. We submitted the claim going back to the time of the initial bladder infection and it was reviewed and all covered as per our policy. My only reason for not giving a 10 out of 10 is that no examination costs are covered. I understand and don't expect regular examination to be covered but once you have an issue and require follow up care only because of this condition I would have thought that would be covered. However all in all the people we dealt with were friendly and helpful and seemed genuinely concerned for the health of our pet. I would certainly recommend Trupanion to any pet owner. It is worth the peace of mind to know you will be able to deal with the expense of health emergencies for your pet.