I've been a vet tech for over 32 yrs. I've always been able to have procedures done in house and pay for it until Millie who had to have 2 root canals and caps on her molars. And now Xena with spinal cord disease. I've been extremely pleased with the service that Trupanion has provided!!! It's very obvious that Trupanion cares about pets! Not only through the insurance but with the people that work for them, they truly are warm and caring! Thanks so much Trupanion!!!