My 10 year old dog suffers from very serious colitis issues. I was concerned that based upon my dog's age, Trupanion would not accept her. Thankfully, they do not deny coverage based on age. I wanted coverage just in case she needed surgery or had another illness occur outside the colitis. And sure enough, she needed immediate surgery for an unrelated illness. Trupanion was amazing! The claim form is very easy to fill out and they were extremely prompt with the reimbursement. I can't say enough how thrilled I am with the service.