Shortly after adopting my cat, he got sick and had to go to the vet (we went mmultiple times and had a week of antibiotics before he was totally ok). My vet works directly with Trupanion, so everything got approved before I even left the office and all I paid was the 10% coinsurance. My cat was still on the introductory free trial period. Only a few vet offices are set-up to do that right now, but it made everything really easy for me! Hopefully more vets will do this!