First don't give up your pet insurance. Just when I thought why do I need this my lab tore his ACL, he needed surgery stayed at the vet for two days home with antibiotics then two weeks after he got an infection back to the vet, overnight, more antibiotics, etc. Trupanion was great I just faxed them a claim form with the vets name on it and that was it. Couldn't have been easier. They communicated by e-mail when they received the claim, the status and when I was getting re-imbursed. Overall I give them an Excellent rating. More importantly it was truly no hassle.