I have purchased pet insurance for my 2 boxers Samson and Delilah since they were 8 wks old. Samson swallowed some toys & developed a bowel obstruction. He required major surgery & then severe post surgical diarrhea. He was treated at the Univ of FL School of Vet Med. Expenses have been close to $9000 and I was reimbursed 90% of these costs in 2weeks. I work for an insurance company and wish all of my family's claims were paid as quickly & seamlessly. Recommend this product as a physician with intimate knowledge of the insurance industry. Thank you so much Trupanion!