Our cat became ill in undet a year's time of having Trupanion Insurance. They couldn't have made it easier for us. The vet submitted the invoices, we received confirmation of same and then a followup within a day or so informing us of the alloted coverage. Then the check followed shortly in the mail. Our cat is doing great and we have not been financially devastated. We highly recommend Trupanion! It has been well worth it!