I am so glad we chose Trupanion for our dog's insurance. She is recovering from surgery because of a luxating patella on her left rear leg. We submitted a preapproval claim to them before her surgery. They told exactly what they would pay. After her surgery we submitted the final bill to them. Within one week of the surgery we received an email telling us their check to us was being sent. I would recommend this insurance to anyone that has a pet.