We have a nine month old puppy who has had a variety of illness from gastro to pneumonia to suspected leg disease. In the first 30 day free trial he got sick and our vet bill was over 700.00 dollars. Trupanion paid 90 percent of all bills except the vet visit. The check was in the mail within a week of the forms submitted. They have paid for exrays, medication. They have always been helpful and seem genuinely concerned about my pet. This is my first experience with pet insurance and now I wouldn't be with out it.