I had judged Trupanion in hast - Initially an ear infection was denied, but within 1 phone call it was resolved and they have agreed to cover the claim. Trupanion has always been very efficent and honest with me thus far. I regret losing my cool on the first claim they denied. However, they resolved the issue imediately. I can hoenstly say that I would recommend Trupanion to anyone with a cat or dog.