I thought my 2 year old pup had parasites. Turns out her pancreas stopped producing enough enzymes to digest her food. Diagnosis was a process of elimination and lots of tests. I have nothing but good things to say about the claim process - I submitted my many receipts on Saturday by email, and Monday morning I received a confirmation email that the claims were open. By the end of day Monday my claims were processed! The service is super fast, the staff are cheerful and make you feel like they are there to help. Best thing I ever did was go with Trupanion.