I have had Trupanion pet insurance since I got my rescue dog, Annabelle in February, 2011. A year later I noticed she was limping & I took her to my vet. He diagnosed her with 2 trick knees (rear legs) requiring surgery. She had the 1st surgery March, 2012 & the 2nd one in May, 2012. Each surgery was over $2600.00. The ease at which this was handled was amazing. My vet submitted the bills to Trupanion, & they covered all expenses at 90% which they sent directly to the Vet. I paid the balance of 10%. In addition, my Vet recommended a joint supplement to be given to Annabelle daily & Trupanion reimburses me at 90% when I submit my, bills. And the most amazing part is they actually send me a letter thanking me for taking such good care of Annabelle. Also their staff are professional, courteous & extremely helpful. They are simply the best.