I got reimbursed $1236.00 of the $1500 that I put out for my 14 month old dog's luxating patella knee surgery. It did not take very long. I have not heard from them on the claim that I filed prior to this one for the lab tests at her regular vet, which helped them to diagnose the problem though. All in all it was a good experience. Way to go Trupanion. Holistic coverage would be nice too.