I have nothing but great things to say about my experience. When I first found out about the surgery, I was concerned about if it would be covered, the out of pocket expense and the ease of getting my claim processes. My vet submitted a pre-approval estimate that was approved within 24 hours. Once the surgery was done and the forms were submitted, I had an email back telling me that my claim had been processed in 3 days, and that a cheque is in the mail. Then to top it off, a follow up email with well wishes for my dogs speedy recovery. I would highly recommend Trupanion. Having vet insurance has taken away the fear of "what if" I can't afford the best treatment for my animal.