I am a veterinary technician as well as the owner of a dog training facility in New Mexico. I have recommended Trupanion to clients on countless occasions. I have 2 dogs of my own who have had insurance through Trupanion since I have owned them. One has had coverage since she was about 10 weeks old and she is now 5 years old. The other dog was rescued from a shelter 10 months ago and she is now about 18 months old now. Thankfully, I have never had a claim. On my recommendation, my mother (who is elderly) recently obtained coverage for her dog as well. Unfortunately my mom's dog was slipped while running an agility course and began limping. The dog had been insured for about 3 weeks at the time of the injury. Trupanion has refused to cover the injury, calling it an illness instead. They stated that the dog must have been unhealthy and thus was predisposed to a lameness because a healthy dog would not have come up lame. I feel like they used an unlikely loophole to avoid paying on his injury. I have never heard of a lameness from an acute injury being regarded as an illness, and I don believe a "healthy" dog couldn't develop a lameness after a fall.