I am really happy and surprised at the experience I have had with Trupanion. I thought that I would not get anything from the claim since I was past the time limit due to medical problems, but I filed the claim anyway. I was pleasantly surprised to see that they opened the claim and very quickly sent me a return. They even sent an email asking if my dog was doing well. Does your insurance company do that? I bet not! I couldn't be happier with Trupanion!