Was pleasntly surprised how quickly I received a check! I faxed the claim to Trupanion and within a day had a confirmation e-mail that it was being processed. A day later I had another email, stating a ceck was on its way. Three days later I had it! They do take off some money for the office visit, but overall paid about 70% of the claim. I have 2 dogs and it was the same situation for the second! Great service.