I had to take my dog to an after hours vet for a life threatening illness. The vet contacted Trupanion to verify my insurance. It was approved within 10 minutes. I had paid too much when I paid my deductible and I got a refund check back within 4 days. My dog has to have monthly shots for the rest of her life and Trupanion pays these every month, reimbursing me within a few days of each claim. Human health insurance should be this responsive and easy to use!!