My puppy, Diggin suffered heat stroke and was rushed to an emergency vet facility. After checking in and nervously waiting to hear about Diggin I was told that the bill could be as high as $5000 but they would check with Trupanion to see what charges they would pre approve. Within 30 minutes a representative from Trupanion called to say they would preapprove all but the deductible of $250. I was on the 30 day free trial for Trupanion and they still were willing to cover Diggin. Luckily Diggin recovered and thankfully needed only part of the approved amount. I received a check in the mail within a week of submitting my claim. I cannot say enough wonderful things about this company and their representatives. They are TERRIFIC!!!!