I could not be happier with the service provided by Trupanion. I had another provider for a different dog and they couldn't be more night and day. Trupanion is prompt, efficient, friendly, and very clear (no non-sense) in their explanation of benefits for every claim. I have had no problems with them receiving paperwork and should they need anything (additional paper work, info, whatnot) THEY do the leg work. If there is a problem, they try and contact you in multiple ways. My dog needed knee surgery (TPLO) and Trupanion made it possible for her to get it. I started coverage for my pound puppy at 3 months old (the sooner the better) and while it's not the cheapest, I would definitely recommend this company to anyone!