I can't say enough wonderful things about my first big experience. I have a 9 mos old Labrador. She ate something she shouldn't have and we spend the afternoon and she, evening at the emergency vet. The vet had a direct link to Trupanion so they could do an online filing of the claim for me. Within 2 days the claim was handled and paid. I received a check two days later. They paid as they said in the policy and I was thrilled since this was a very expensive visit. I shared my experience with another pet owner when I was at the vet getting the staples out. I had a not so pleasent experience with another Pet Insurance company so was thrilled that they delivered as I had hoped.