Our 2.5 miniature dachshund had a cervical disk rupture and has been diagnosis with IVDD. We had a middle of the night emergency trip to the vet, followed by appointments with the neurologist specialists, a CT scan, surgery and over a week total in intensive care. Trupanion was really great with our claim. We were pre-approved for the surgery and all care prior. They sent the pre-approval within 12 hours which was great. All cheques were received in a week. They paid out the full 90% and there was very little deductions (consults etc). My only comment would be that if there was an option to pay slightly extra month so that Trupanion would also cover the government taxes on the total, we would go for that – as on a bill of over $10,000, taxes in British Columbia (12%) really add up. All in all, the experience was a 10 out of 10 and I can’t imagine not having the coverage as it allowed us to get the best service for our dog without worrying about the cost (who by the way, 2 weeks post surgery is 100% recovered, we are suppose to keep him very quiet for many weeks, but you can’t even tell he had major surgery). Thanks Trupanion.