Try to start your dog as a puppy. If a large dog, get the hip rider. I am so grateful I did with my rescue dog. Turns out she had a birth defect on her spine. She needed a hip replacement by 18 mo. It was covered. Had it not been, I'm afraid we'd have had to put her down because the expense is huge. Her monthly supplements are covered too. When I fax my bill to them on a Friday, I am usually paid by Monday through direct deposit. It is just fabulous!! Never had a complaint and I have 3 dogs on Trupanion. I recommend them to everyone.