This is the 2nd time we've had to submit a claim for our now 8 month old puppy. I don't know what we would have done without Trupanion! Gator's bet bill in just 1 weeks time was $700 during the 2nd week of December!!! Thankfully we selected the $0 deductible with a slightly higher but more manageable monthly payment. There was no hassle, the claim form is easy to complete, and the customer service is helpful and courteous. The best part is we are reimbursed within 2 weeks time! I highly recommend Trupanion to family and friends with pets.