My cat unfortunately developed thymoma, which is a tumor of the thymus. It was first detected by X-ray and was ultimately treated by chemotherapy, followed by surgery. Trupanion covered 90% of all the medical costs, from diagnosis to surgery, which was critically important. The initial claim took a few weeks, since it was my first claim. After that the claims only took about a week to process and pay. They were sensitive and responsive. I will use them again with my next cat.