My yorkie, Samson, developed a very serious case of Pancreatitis and was hospitalized for 10 days. He had to have a number of expensive medical tests and proceedures before he began to improve. Since i was a new client with Trupanion, I didn't know what to expect. My previous experience with other pet insurance companies was not very positive and I anticipated problems with the claims I submitted. I was very pleasantly surprised, Trupanion Insurance kept their commitments and reinbursed my claims without any hesitation. I found the entire process very sofisticated and efficient and the turnaround time was quick. Their policy was very easy to understand was straight forward regarding what was was not covered. No small print of ambiguous language.I would and do recommend Trupanion to all friends and family.