I have spoken to many people about their claim experiences with other providers and have heard stories about exemptions for 2nd or 3rd claims such as quill removal. Trupanion has never questioned our claims and has always processed them quickly. After 3 years of off leash walks I find that my 2 huskies will now be on leash which is unfortunate. eventually there will be some fully fenced off leash areas in calgary. I recommend Trupanion to all and wish I had purchased insurance for my previous 2 huskies who over the course of 12 years cost us around $30,000.00 I couldn't be more pleased with a provider.