I have had Trupanion for almost 2 years. My labrador Boson had hot spots prior to the insurance. Boson also has had a mass on his leg recently that was biopsied and needs to be removed. I submitted claims for the biopsy and two other claims but all three were refused. According to their "experts" the mass on his leg was a precondition of the hot spots. They also raised my rate last year. I am through with these crooks. I suspect that if Boson got out and got hit by a car and needed surgery, they would deny it saying it was related to his previous hotspots. This insurance is total CRAP. Don't waste your money. Put the premiums you would pay into a savings account and you will be ahead.