Our 7 month old dachsund ate an object and after being x-rayed the vet said he would absolutly do surgery if it was his dog!He also said"This is why you Thank God you have insurance"and it was .The surgery went well and the bill was right around $2000.which Trupanion covered 90%.I would also recommend a lower deductable!Mine was only $50 and that was also helpful.Highly recommend Trupanion!!!!!!!!!