While on a trip we had to make an emergency stop at a Walmart because they were the only people with the right sized tire. They would not allow our Newfoundland Thunder into any air conditioned space in the bldg. As a result he suffered a very bad case of heat stroke with temp over 109. We stopped at the first clinic we could and they stabilized him and got his temp to normal. We then had to drive another 1.5 hours to find an emergency clinic open 24/7. He spent 4 days in their intensive care unit with plasma and whole blood along with a host of other treatment. Total bill was over $6,000 when the blood check up after we got home was factored in . This was the first claim we had made to Trupanion in 5 years. It took about 3 weeks total which they told me it would since it was the first claim. They paid exactly as they said they would- 90% of the 3 visits, less the deductible and the exam fees which were not covered.