My lab had a distended stomach and had to be rushed to the vet hospital. Brought him home after 2 days as good as ever, along with a $1500 bill. Trupanion was quick in getting all the required information and after the deductibles, provided us with a check covering the bulk of the bill. I am very satisfied and would recommend them to others. Now I just want to see if my payments go up. If not, I'll be totally impressed and will let you know. Right now I'll give them an 8 and if the monthly payments stay the same I'll give them a 10.