Pepper is my second dog, this is my first time getting a pet insurance. He's insured by Turpanion 30 days trail and unlucky he's to use within the trail period because my wife give him wrong treat which make him diarrhea and vomiting and has to go to emergency. Claim is easy and fast what I need to do is send a photo of receipt to Turpanion claim email, within 1-2 days I've got reply and get money back within a week. Unfortunately I've to use it again because Pepper jump and broke his front left leg, I sent the receipt to Turpanion again as usual it's fast. I highly recommend Turpanion, not just fast and their representatives are nice and helpful, also wait time is less than 5 mins.