We have had the Trupanion insurance for 3 years now and had to submit our very first claim. It was so easy and hassle free. Our Vet faxed over the necessary claim form and within 48 hours we had received email notification that the claim was received and being reviewed. A few days after that we received notification that the claim was approved and what the reimbursement would be. We then received the reimbursement check about a week later. I would recommend this insurance to everyone.