My dog has fortunately been very healthy so far, but recently tore her ACL chasing a deer. I did intensive research and eliminated the common but extremely painful and controversial TPLO/TTA surgery types (where they cut and alter leg bones) in favor of a less painful - but more expensive - procedure called QLF from a Mass. specialist.. This is really important because the QLF is more expensive up front but has a much lower chance of causing injury to the other knee/leg. I decided that even if, for some crazy reason, it was not covered, it was worth the extra expense (and travel). Success! QLF was still covered at the 90% Trumpanion that promises. My dog is recovering well.
Another reason why it is so important to have dog health insurance is that, most people may not be able to afford a $5000 knee surgery for their dog. Their dog will then limp their way through life, and end up with other injuries and serious arthritis due to the unstable gait they are forced to live with - which causes yet more expenses.
By having health insurance, this stops one bad injury from turning into 3,4 or 5 others.
Very happy customer.