Our puppy (Tessa) is now 3 1/2 yrs old. Fortunately we decided when Tessa was but a few months old to secure insurance. We researched numerous insurance companies but we kept returning to Trupanion. The final decision was in part influenced by our Vet. Needless to say, Tessa now has a vet. file in fact two files since the first one was full. Our bills have been in the thousands and with the exclusion of bills for office visits, Trupanion has honored payment for EVERY INVOICE (90%). Yesterday we had Tessa to our Vet for a check up. During the Drs. visit, our Vet commented on Trupanion. Noting, her experience with other insurance companies has been less then desirable given the delays in bill processing and the on going request for additional information. She could not say enough about Trupanion as compared to the other insurance companies. Now would anyone in our position with a sick puppy and the great experience we have had with Trupanion rate your performance less than acceptable, I don't think so. But as important as the honoring of invoices is, the professional treatment we receive every time we call is exceptional. What more could we ask for? My wife and I thank you.