2 days after our puppy was shipped to us at 8 weeks old, he was diagnosed with parvo. Our Trupanion coverage was an introductory trial provided by the breeder, with the first month free. At 2AM in the ER, I called Trupanion, which we'd only activated for a few days, and the representative waited with me on the phone for over an hour while the diagnosis was made. She submitted our case for an immediate rush to the claims specialists for preapproval, and by 8AM, the claim specialist called me on her cell phone to guarantee payment for our puppy's treatments. During the course of his 16 day stay in the ER, he also came down with giardia, roundworms, and aspiration pneumonia. We were told that he probably wouldn't make it every single day, but because we had Trupanion's financial backing, we did not give up on him, and he kept fighting. Today he is alive and thriving, having beat the odds, because of Trupanion. Trupanion paid nearly $16,500 for his treatment during that one month free trial. The remarkable thing is, we had not submitted any premiums up to that point. Payment was extremely prompt compared to PetPlan, which insures our other pets. Frequently reimbursements would be direct deposited into our checking account within less than a week of claims submission. And although we did not take advantage of this--they could have also directly paid the treating hospital instead of reimbursing us, further lessening the financial burden. Needless to say, we signed up for full coverage before the introductory trial expired. Even if our dog lives to a ripe old age and never has another illness, Trupanion will never recover from premiums the amount they've already paid in claims. Their customer service, sense of urgency, and standing by their policy has been impressive and I would not hesitate to recommend them to anyone who wants to know that they're buying the best for their family member.