I started insuring my adult dog Parker ~8 months ago after adopting him from a shelter. Unfortunately he injured his knee while playing at the park and required an expensive orthopedic surgery! Western Veterinary Specialists submitted a pre-approval form and we received the result within a day or two that everything would be covered! Parker had surgery soon after and Trupanion reimbursed the hospital so I wouldn't have to pay the whole bill up front. I've had to purchase some follow up medication from my family veterinarian and I received approval for that quickly as well. Thank you Trupanion for pushing everything through so quickly so that I wouldn't have to worry about the stress of making phone calls, etc while dealing with the already stressful situation of a large dog having orthopedic surgery.