Our dog had a few claims back to back, within 2 months of starting the policy. We did not do a ton of research on the insurance companies, we chose Trupanion because of the easy plans (Slide your coverage, slide your deductible). It took about a month to get the payment for the claims and they all came at once, even though the claims happened over the course of a few weeks. This was explained to be because the policy was both brand new and there were multiple claims. It was understandable and there were no problems receiving payment when it finally came. The 8/10 was solely because of the payment being 4 weeks or so, other than that Trupanion was great to deal with.