My 12 year old yorkie, Shor-tee, has had this insurance several years. Recently he was very ill could not breath and had to have a tumor removed. It was benign thankfully. My vets office faxed in the claim forms and I got a very quick response that Trupanion was processing them. Within a week I got checks for over $2100 which was just a few hundred less than I paid. This was several trips to vet and 3 nights in emergency care so I am so thankful I had insurance. My Shor-tee is doing great now and is more spoiled than ever. He is part of my family.