My dog had TPO surgery for hip dysplasia when he was a year old. He is five now, and has had continuous problems, due to complications from the surgery. Plus, he still has hip dysplasia. Trupanion has always taken care of our boy, and is keeping him walking. They paid 90% of his surgeries and still pay 90% of his ongoing physical therapy and acupuncture. Everyone I've spoken with has been compassionate, caring, and extremely helpful. I send everyone to them and would never go anywhere else. They are the absolute best company for pet insurance. We love Trupanion! If you are looking to insure your pet, don't hesitate. Use Trupanion.