I had two days left on my initial free coverage and signed up for complete coverage for my lab. Approximately three weeks later my lab got an incomplete fracture and had to have the bone in her front leg screwed together. When I called Trupanion they said that my dog was not covered as something had gone wrong with the website when I had used it and they had their own IT people look at it but have just denied everything. They told me that they could see that I had used the screen but said that it was too bad because it did not go through. What else would they say as to have to pay out right away would not be good for the company so by telling me that my coverage did not go through, they were able to save some money. My advice to people is to look elsewhere for coverage.