I was very pleased with my first claim experience with Trupanion. I bought the policy in January and had a $1400+ bill in May for papilloma virus. The claim was processed quickly, and payment arrived quickly too. The adjuster initially interpreted the invoice/medical records to reflect two conditions and thus applied two deductibles. I called and was told to have my vet email the appeals department to clarify that only one condition was diagnosed. The appeal process took a little longer than the initial claims process, but less time than was advertised. Trupanion incorporated the new information and reimbursed me for the second deductible. My vet's note also included a new, younger estimate of my dog's age, which Trupanion changed for me, which lowered my monthly premium. As a health care provider, I appreciate that Trupanion trusted my vet's judgment and treatment without question. All in all, it was an excellent experience and money well spent.