I purchased Trupanion 3 years ago when I adopted Annabelle at 8 weeks old. This was my first claim submission. I had two invoices from two vet clinics; one Annabelle's regular vet and one an Emergency animal hospital (on a Sunday. The claims process was very simple - a single page form and copy of invoice. Best part, I didn't have to get either claim form signed by anyone! I submitted both claims on Monday, June 30th and received payment on Saturday, July 5th! Very impressed by the quick payment - especially with this being my first claim. I'm VERY HAPPY with Trupanion!!