This has been my first time having pet insurance. Our other dog never seemed to need it, but when we got our german shepard I thought bigger dog, bigger problems. This was the first claim we filed (only 6 months after the policy became active) due to a large dog bite on our puppies stomach that required surgery. Trupanion was so easy to work with and collected all required documentation with little to no follow up on our end. The first claim, as the warned, takes about 2-3 weeks to process because the request all history on the animal. From that point forward they say claims typically process within a week. They paid us 90% of our total cost (excluding exam fee), which came out to almost $1,000! I don't know what we would have done without this coverage! I recommend Trupanion 100% to anyone looking for simple, easy to understand coverage for their pet. So far they have been true to their word and I am very happy we chose them for our dog!!