I've had a very good (and unexpectedly easy) experience with the whole process of submitting a claim to Trupanion. My dog (1 1/2 year old Spaniel mix) had hemorrhagic gastroenteritis. It was incredibly scary, but also very comforting at the vet to be able to tell them to do whatever they needed to, cost is not an issue. My dog recovered after 2 days in the vet hospital and once the vet finalized the charges, I just had to fill out a one page long claim form and then give it to the vet to submit to Trupanion. The vet provided them with my dog's medical records. Trupanion was very responsive, sent emails every couple of days to update me on their progress on the claim, and I received a check from them less than 3 weeks after the claim was submitted. The amount covered everything I expected. Overall, very impressed and happy with the outcome.