We bought this insurance 8 years ago when our two Boxers were babies. Whew! Are we glad. It has definitely paid for itself! From surgeries for swallowing inappropriate objects to sudden onset of a Bells Palsy type of nerve issue where the jaw wouldn't work (McKenzie could not eat or drink on her own), you have been right there to save the day! And you do it quickly and happily! I have recommended you to every dog owner I know and a few a don't know and I will continue to do so. I see so many owners struggling to pay for expensive treatments and surgeries that their dogs really need. Some never get the treatment they need because the owner just can't afford it. It is so sad to see animals suffer when they don't have to. I am grateful that we made this important decision so many years ago. It has really saved the day and we haven't had to worry about if we should take the dog in to the vet or can we just ride it out and see if the problem goes away........ Trupanion is there each time. Such a relief.