Our dog had luxation surgery on her rear legs prior to us signing on with Trupanion. We've paid a couple thousand into Trupanion and when our dogs rear right ACL partially tore last year Trupanion covered part of the cost. We were told that when one ACL goes there's a 90% chance of the other going - which it did but, it caused a level four luxation to occur as well. We did not think that our dogs full surgery would be covered but, did expect some coverage as the ACL was not preexisting. We went to a certified orthopedic surgeon who confirmed that the ACL is a separate issue. Trupanion was not willing to meet us half way and denied our claim. By the time we tally up our bills we will have paid out over $4000.00. If we put the money spent on insurance into a saving account we would have had more than half her surgery paid for.