I have had Trupanion for over 10 years now and have used Trupanion on two of my three dogs. Both dogs had torn CCL’s. Trupanion covered as they stated they would, 90% of the bill. They made sure that I sent all paperwork related to the injury so that I got compensated for all the separate costs. Their phone team was very polite and also asked about my dogs. You can elect to have Trupanion send the check to you, or to your vet. They assisted me at every step and it was all very hassle free. They have encouraged me to also send any vet bill to them as you never know when something could happen and those other bills could possibly be applied to your deductible. I have recommended Trupanion to everyone I know who has a pet. It is a good feeling knowing I can get my pets any medical procedures they need without having to worry about the cost.