Our 6 year old Golden Doodle Sophie unfortunately tore her cruciate ligament and had to have TPLO surgery to repair her leg in January 2020. We have had Trupanion insurance since Sophie was 8 weeks old and have been fortunate in that we have never had to make a claim as we never had any issues with her. TPLO surgery is pretty major and worrying for a pet owner to say the least. It also not cheap and can be a big hit to the pocket book. The day of Sophie's surgery we arrived to pick her up at the vet and received all the post operation information and then were told that Trupanion had already settled most of the bill under our policy. I was so impressed that my vet was able to contact Trupanion and they directly paid the vet so quickly vs. me having to pay the full $4000 bill and submit for reimbursement. On top of that they sent a follow up email with all details of what they covered and ended the email with a nice note asking us to give Sophie lots of hugs! Thank you Trupanion, you really do stand behind all that you advertise. For anyone looking for pet insurance, while you might find cheaper out there I can tell you from experience, Trupanion provides no hassle complete coverage for your pet when you need them the most!!