My pup ended up getting parvo and she was so sick. Our vet bill including the emergency hospital we took her to came out a little over $2000. But our vet worked with Trupanion and we were able to get it resolved in a timely manner. Trupanion kept us abreast with e-mails and calls as to the status of claim. They were great! Trupanion paid our vet directly and we just paid the remaining balance which came to a little over 35 bucks. This is great! My pup is herself again and we are SUPER HAPPY with Trupanion. I am recommending this insurance to all my pet loving friends and family. They are there 24/7 and truly helpful.