We registered with Trupanion at our Vet's recommendation when Moonlight was only 8 weeks old. Recently she accessed a box off raisin/chocolate. The treatment was long and costly (over 10000$). Trupanion worked with our Vet, obtained the medical history and simply paid 90% of the cost. The procedure for filing the claim was easy and throughout the waiting period ( about 1-2 weeks) they sent me updates with a final thank note to us for taking good care of Moonlight. I will remmend Trupanion to all pet owners with no reservations.