I have only been with TruPanion for a few months ago. My puppy fractured his leg and TruPanion was super helpful, and processed each claim within a week to week and half.
Its quite stressful when you find out how much it really costs for surgery for a pet. I was humming and hawing about insurance thinking it was going to be a waste of money. I highly suggest getting pet insurance as it is a lot cheaper than having to pay out of your pocket if something is to come up. And I would highly suggest paying a higher amount without a deductible, especially when they are still a puppy.