I have had the opportunity to use Trupanion since my dog was a 16 weeks old and to this day she has had two cl surgeries, teeth work, torn ligament, hyper extension on front leg and many other ailments and Trupanion never batted an eye. I received the payment within a week. I have always recommended Trupanion to friends and strangers for the past 12 years. Believe me I would not be wasting my time writing these comments if I was not impressed and or felt I wasn't getting 100% satisfaction. I am grateful for the service of Trupanion and I thank you for being there for myself and my best friend.