I have had trupanion for 2 years. About 6 months into coverage my dog hurt her acl and needed surgery. There was no questions asked, friendly, knowledgeable staff when I called trupanion to ask them exactly what I do to have the procedure covered. All i had to do was fill out a 1-2 form and send my receipts. I received my payment from them 6 days later. I had used 2 other providers in the past and they were rated #1 or 2 on a few websites. They were nothing like trupanion. I have recommended trupanion to multiple co workers and friends. Most now have coverage and only 1 has used there coverage so far. They couldn't believe how fast they were paid from their claim and how easy it is. Use trupanion, you will be thankful you have them when you need to take your pet to the vet.