My Bengal cat hurt his paw & needed blood work, x-rays & medication because of this. After having Trupanion for two years with no incident, I was pleasantly surprised at how fast they responded to the two claims that my veterinarian submitted for me. Within two weeks, claims were reviewed. As promised, 90% of what they said they would cover, they did. I was just informed that my reimbursement checks were in the mail. They were very courteous & professional when I first called to find out what I needed to do for a claim. I highly recommend Trupanion.