I have been a customer now for over four years. Trupanion has paid out over $20,000 to me in that time -- usually within 24 hours of submitting the claims. They have made it so that when my dog (who has several health issues) is sick, and I need to determine whether or not a treatment is appropriate, cost isn't a factor. I have periodically reviewed other insurance providers to make sure that Trupanion is the best fit for me, and I've never seen a policy that is as rich and all-encompassing. Client for life.