My pup was born with a condition that caused her to have urinary incontinence at a very early age. After numerous tests she required a surgery called COLPOSUSPENSION. After spending almost $7000.00 in vet care we submitted our forms to Trupanion to be reimbursed. They denied our claim for coverage. Why???? Because at the age of 10 weeks our puppy had a bladder infection. She had the bladder infection because the tube that runs from her bladder was mis-shaped like a funnel instead of it being a straight tube which is why she required the surgery. Trupanion said it was a pre-existing condition. Well of course it was pre existing you idiots....she was BORN with it!!! COMPLETE RIP OFF!!