The very first claim I had to file with Trupanion went without a hitch. I am also an employee at my animal clinic so therefore, I get a discount on services as well. Being an honest person, I turn in my claims AFTER my discount has been applied, so really, Trupanion also benefits from my employee discount because ultimately they are not having to pay out as much as if I were a regular client at said animal clinic. That being said, this second claim I turned in has been a little frustrating. I can't complain about the amount paid, but I feel that it took way to long to process my claim and far too many phone calls to my clinic to "verify" charges. I feel like there was a lot of "nit picking" when the company is already saving a ton of money from my discount. I really felt like they were trying to get out of paying for some things because of my employment status. This experience was completely different from my first experience and it left me feeling jaded and disappointed. Overall, I would still recommend them to other pet owners.