I've been a customer since 2010. Never submitted a claim until 2012 and since then have had to submit dozens. The first claims were for our golden retriever, Shelby who we sadly lost quickly to cancer. Being that those days were stressful and dark, Trupanion not only moved quickly and professionally, they did with care and compassion. Since then my other golden retriever has been diagnosed with some manageable conditions but those will require lifelong treatment. We are now regularly submitting claims and the service has remained consistent from Trupanion - extremely prompt, fair and kind hearted. I was skeptical of insurance when I first got my dogs. I thought I could set up a separate bank account and not worry. Thank goodness I changed my mind when a friend's beautiful boy got sick and put policies on my babies. Now I would never go without and it would never be any other company than Trupanion. Since February 2012 so far I have been reimbursed over $9,200. It only takes one incident or illness to wipe out what you may have thought was enough in a special savings account. If you're like me and would bankrupt yourself for your babies, strongly consider pet insurance.