hello there. I love love love trupanion. So far they are great. They cover 90% of the bill. But do not cover yearly vaccinations, the initial vet fee to check out your pet ie. mine is $47.00, and they also in canada do not cover the taxes which is unfortunate, but their reason behind it is justifiable. We took our dog in on a monday and after faxing off the paperwork that day I recieved an email stating it had been recieved and will be reviewed. That thursday I got an email saying that it have been processed along with the break down of whats covered, whats not, and how much the cheque will be made out for. And the following monday (just one week later) I got the cheque in the mail. Very very impressed. Thanks Trupanion.