Insurance companies are notorious for bad service and denying claims. Not TRUPANION. My litter terroir has been through hell with a recurring ACL tear. A miserable recovery and expensive surgery. I have been absolutely vigilant on his post op care. Trupanion has been so compassionate, so thorough and so incredibly quick on their responses. This company has removed so much stress from my plate. I can focus on my wonderful friend. If you have a pet, do yourself a favour.