Trupanion has been fantastic!! My Dog, Preston has had a lot of health problems. There was about a year and a half when he was in the vet almost every 2 weeks!! Trupanion never denied any of my claims and they were all processed in a timely manner. They also gave me pre approval for Preston's major surgery. It was a really hard time, and very stressful, but it made me feel better knowing I could depend on Trupanion to help me out!