I've never had pet insurance before until my vet suggested it to me and I am so glad I listened to her. Our Golden Retriever who was 7 months old at the time had to get nuetered ( which is not covered ) as well as had surgery on his eyes. Trupanion covered everything for the eyes and any pain killer's needed. I received my refund from them very quickly and ended up getting back more that I thought I would. I can't say enough good things about them, thank you very much Trupanion.