Our Beloved Romeo, an English Bulldog, was literally one very sick puppy. He developed Aspiration Phneumonia. Our veterinarian bills were quite high. We even had to have Romeo transferred out to a University Hospital. We held our breath, as we received the invoice. We were delighted to know that Trupanion received our claim the day after Romeo came home. Within 10 days we received a check for 90% of the claim. I have a friend, who is a physician, she joked that it would be a miracle if human insurance claims were paid as quickly. WE ARE GRATEFUL TO TRUPANION!!!