I submitted several claims for my dog's torn ACL ( all the same injury) for cold laser therapy treatment and finally received their decision laiming it was aporoved; however they claim that the deductible was equal to or less than in the policy. So they wouldn't reimburse me anything. It was the same injury that was treated. I paid for this insurance fir over 2 year's and I discovered they offer no benefits worth my time or money.
I put my cats on a different insursnce company and am quite pleased with them and was reimbursed several thousand dollars and they have much better coverage than Trupanion has.
My recommendation is, don't consider this company for your pet's insurance, they're liers and crooks.