Total freak accident when my Husky slipped and fell on the tile floor tearing his cruciate ligament and damaging his meniscus. Trupanion took care of everything so I could focus on caring for my furry family member's recovery. They worked directly with the hospital to process the claims and payments were made within a couple of days. Even with the Christmas holiday, I received my check in less than a week. They communicated with me throughout every step of the process so that I was always well informed of where my claim was in the approval & payment process. I also received some follow-up calls from customer service just to see how my pet and I were doing. Trupanion's staff truly cares about their clients and they provide some of the best customer service ever. In addition, their premiums are lower than the previous insurance I had for my pet, the premium doesn't increase as my pet ages, there's no maximum payout amount and they cover 90% of the claim after your deductible is met. The total vet bill for TPLO surgery & rehab ended up being over $6,000. I have never been more grateful for pet insurance. Thanks Trupanion!!