I've used Trupanion now for 2 'illnesses' my dog has experienced - and both times the process was so easy. Actually I don't have to do anything. I pay my vet invoice up front and my vet files with Trupanion. Trupanion is great about keeping me updated via email on the status and in both cases there were no issues or questions. I received my reimbursements checks in no time. Although I don't wish anything to happen to my dog - I know it will and to have this protection is very reassuring.