Ive used my pet insurance 3 or 4 times in the past 8months that I have had the policy and its been worth every penny of my $50 monthly premium. The claims are paid right away,no problems what so ever. Ive had claims for several different things. First was an allergic reaction to her shots, then she had diarrhea for several days, the last thing was bruising and unexplained bleeding. My last dog died from kidney failure, so I know how much vet bills can be. I wish I would have known about Trupanion when she was alive. I was offered a free month of Trupanion from my vet when I brought my new puppy, a french bulldog, in for her first vet check. She had an allergic reaction to her shots so I had an opportunity to use the insurance during my free month. The claim was paid in a timely manner with no problems. Even though I have had several claims in less than a year, I have been treated with the same courtesy and the claims have been paid in the same timely manner every time.