My first experience with pet insurance, very expensive acute event. The vets offices and I submitted the forms on a Friday and the next Monday, the review was indicated to be in process on Tuesday, and was approved on Thursday and I had the check within 2-3 days. Amazing. Needed to call them a couple of times just with my own questions (not because of issues) and the phone was answered promptly, the folks on line had my case records available WHEN they picked up the phone, and were clear and knowledgeable from the start. I did not expect this from my knowledge of human insurance. Although when I was choosing insurances, my vet office said Trupanion was the most helpful and they felt the best coverage. With my dog's acute event, the specialists group that I needed to see said the same---the best coverage and easiest to work with, in their experience. This review is totally uninfluenced, and I am a very happy camper..!!!!