We have a three year old lab, Gunner. We signed on with Trupanion as soon as we got him. Trupanion processed numerous claims for us, the most recent being for TPLO surgery - a spendy one. Trupanion is always easy to reach with questions and is prompt with processing (provided the vet gets them the necessary paperwork). This particular claim took much longer than usual to process as a result of paperwork issues on the vet's end. I highly recommend them.