My Golden Retriever suddenly became lame on his right rear leg on New Year's Eve (figures it would be a holiday). I brought him to the vet on Jan 2nd thinking he had broken a toe, but it turned out he had a rapidly spreading infection that had already infiltrated the bone. He had an x-ray, antibiotic injection, blood tests, and was sent home with antibiotics & several supplements to help clear the infection and support his immune system.The vet's office faxed the claim to Trupanion that afternoon, and that same evening I received an email from Trupanion saying they would send the money to my bank account within a few days. Same day service! They covered 90% of everything (less the deductible & physical exam)- they even covered the supplements that the vet sent him home with. This company is phenomenal! I have a dog business & routinely talk to my clients about their pet health insurance & it is clear that Trupanion is the best, hands down. After hearing of my past experience with Trupanion, quite a number of clients have signed on or switched over from other pet insurance companies. I am so happy to have this health insurance for my dog! I only wish my own health insurance company was as good. Thank you Trupanion!