The vet was able to see Newton within an hour of the incident. She and the vet techs stayed after hours to operate on Newton to put him back together. While waiting for Newton to come through the procedure, I did not stress over the mounting expenses because he was covered by Trupanion Insurance. I received a reimbursement check in 4 days. My daughters also have their dogs insured by Trupanion. It gives economic peace of mind.