We got our poppy (a Belgian Malinois)already sick. He was diagnosed with Gastroenteritis.We got Tupanion right away. My poppy had to stay at the Hospital for almost two weeks. They did x rays, blood tests, Iv.etc, The expenses came up to more than $4,000. and Trupanion covered totally the 90%. They took charge of everything. My vet. submitted the claim and the insurance co. kept me inform of everything. After 2 weeks I received a check in the mail for the full amount. I never had to do anything. It was the easiest thing ever !!! I hope human health insurance were as easy as Trupanion. Super Happy !!!!