This is the first time we had gotten pet insurrance as my vet had recomended that we get it due to the breed of dog, cane corso. 2 years later, she developed a limp and required surgery. I was shocked when my vet wanted me to pay up front considering I had insurrance. I contacted Trupanion and was ready to do a verbal battle as I would not have been able to pay the $3000 bill for the surgery. I was amazed at the lady whom I had spoken to. She quickly eased my mind and told me what I needed to do with my vet office so that they may be paid directly. I was thrilled!!!! My claim was processed quickly and I would recomend Trupanion to anyone who loves their pets the way I love mine!!!