TruPanion has been a saving grace to our two cats. I manage the care of both my mother's cat and mine. Our vet, Pet Crossing, submits claims right while we are in the office. Ususally, care is processed quickly, I pay my deductible plus the balance and we are off back home to catnip and curled up napping. This was the case in our most recent trip to Pet Crossing. TruPanion also has pre-approval of claims for those serious incidences where I needed solid financial information to understand if I could move forward with treatment. Though premiums have risen as our cats age, our two cats have not had to cash in any of their nine lives since being covered by TruPanion.