My black lab recently had to have knee surgery (TPLO). I just received my EOB and the paid 80% of all the surgery and hospital care as promised. My only complaint is on her recent renewal they changed their policy to only cover 1 TPLO surgery per the dog's life. Since most research shows dogs with one TPLO have a 50-60% chance of needing the same surgery on the other knee I now have to pay insurance and save up for a possible second surgery. The main reason I purchased insurance was to spread these types of costs over the years of the dog's life through policy payments and preventing the need for a seperate emergency fund or credit card.