I recently signed up for pet insurance with Trupanion. What a difference from my previous plan I had. My dog was ill less than 2 weeks ago and a few days ago I was informed my claim had been processed and that they were placing a cheque in the mail. Wow what service. I previously had a different plan, however, each year they reassessed and increased the premium and lowered percentage covered claiming it was for a cost of inflation in the area I lived as well as based on usage in the prior year. If my dog had claims the previous year you could bet the percentage and premium would change......not fair. So glad I have switched to trupanion. I have choosen the top end plan but I truly know my pet and I are protected if he gets ill. In addition, trupanion sends you emails along the way about how your claim is progressing so you know they are working hard for you. It would usually take 6 weeks to get a check back from my previous pet insurance company and it was always for a stinking small amount.