Our 8m old doberman puppy experienced heart failure in May 2013. It was completely unexpected. There really were no signs prior. He was diagnosed with mitral dysplasia and atrial myopathy caused by leaky heart valves which he was born with. He was hospitalized for 6 days at a specialty hospital where he underwent around the clock care and medications. Expenses for his hospital stay and on-going doctor visits and medications were in the thousands. We are extremely fortunate we purchased coverage through Trupanion shortly after we got him. Trupanion claims department and customer service was exceptional. Initial claim took about 4 weeks because all medical history needed to be verified. Subsequent claims have been much quickly with turnaround time of 1-2 weeks. Trupanion has provided 90% coverage for all approved diagnosis & services. We highly recommend Trupanion to other pet owners and have already recommended Trupanion to our friends and family.