I have had Trupanion pet insurance on our dog Suki since she was a puppy. We have never used the insurance until she was 6 years old and found out she had cancer in December 2012. The radiation treatment was a little over $8000 and Trupanion had covered the 90% to the Vet Specialist directly (Express Claim). This was such a relief as it was during Christmas and money was tight. Even before the cancer claim, we had another claim for Suki in September 2012 for about $1000 and Trupanion covered 90% of this claim as well. Trupanion does EXACTLY what they say and keep you informed via email and send you a cheque within 2 weeks of making your claim. I highly recommend Trupanion insurance to everyone that loves their pet. It is sad to say that I believe our dog Suki has a better medical insurance plan than what my husband or I have. People used to laugh at us for having pet insurance for our dog, but now they realize that I have saved so much money and have given our dog Suki the BEST care possible!!