I had to take my shih tzu to the vet to check on her leg because she was limping. Trupanion has a very easy 1 page submission process. I was shocked to see that I received my payment, in my mail box, less than 7 days after the visit to the vet. Thank you! This is a great company. When you call you can tell the people working there love pets (and often even have them at work with them). Very easy to deal with!!