Our our 13 Lhasa became very ill. He spent 5 days in the hospital with a bill of $7800. Trupanion paid the entire 90% less our $250 deductible and initial office visit of $65. We submitted our claim and received a check with 10 days before the credit card arrived. The claim service was excellent. I would recommend Trupanion to anyone seeking Pet insurance. They are excellant