My cat was at the vet and I was told she needed hospitalization. I called Trupanion to find out if she was covered. The staff at Trupanion immediately worked with the hospital staff to get the treatment plan pre-approved and paid the veterinary hospital directly. All I had to pay was my portion of the bill. If I had to pay the entire bill and wait to be reimbursed, my cat would not have been able to get the treatment she needed. Thank You Trupanion!