I have to say that Trupanion is very quick in processing a claim and sending out a cheque. Unfortunately, there are a number of things they don't cover (even in an illness or injury situation), so there always seem to be big deductions - resulting a somewhat small cheque. However, they are an insurance company, so I am not entirely surprised by that. My only hope is that, if I ever incur a massive bill (if my dog gets some terrible disease), I don't get an equally small cheque. That is, after all, why I pay hundreds of dollars annually for coverage.