My cat ingested a toxic plant and was hospitalized for three nights on an IV. (Two nights in an emergency clinic and one night at my regular vet clinic). I faxed a claim to Trupanion in the morning the day after my cat's release from hospital and received an email in the afternoon the same day to let me know my claim had already been processed. 90% of my costs minus the physical exam fee were reimbursed and I received the funds within a week (almost $500). Very fast service.