My yorkshire terrier had a disease of her left hip that forced her to have her hip removed. I was devastated and couldn't believe that my 10 month old dog would need major surgery. Trupanion was amazing because they paid for 90% of her surgery! Before I knew about her condition I decided to buy insurance for her when she was 6 months old and it has been worth every penny! If you love your pet you need to buy Trupanion insurance for peace of mind. They have been MORE than accommodating and I have been recommending them to every pet owner I know.