I got Trupanion when I first got Marcie 3 years ago. She's a Tea Cup Yorkie. Since then, I have had her to the Vet hospital a few times & the bills were high. The hospital would submit the claim the same day & later that same day I would get an email from Trupanion stating my refund is in the mail. Within 5 days I have my refund. Also if you have a vet that is linked with Trupanion, you will only pay for your 10% of the vet cost. I have no deductible & the insurance covers 90% of the cost. I would most definitely recommend Trupanion to anyone with a pet. I'm always bragging about them to my friends because the service is exceptional!!