Trupanion promises to reimburse quickly once a claim is filed. One of our cats became very sick and we had to file a claim. It took only about two weeks from the time when they received it until we received the check for the reimbursement in the mail. That is indeed very fast. I also like that they do not raise the premiums for the pet getting older. The premium is based on the age at enrollment. We only had one adjustment for general cost increase so far, with slightly over 2% reasonable.
The only reason I did not give a ten as a rating is because they do not cover some of the fees veterinarians charge, but which are unavoidable (examination fees). How else can the animal be treated unless it is examined? However, compared to the other costs that can hit you for a treatment the fees are usually the much smaller part.
Overall great service and a great philosophy