I work at a vet clinic and I am a pet owner. I like Trupanion because of their one simple policy. The cost is reasonable and it covers what I expect an insurance to cover. I recommend Trupanion to my clients all the time. Recently, I had to claim for the first time for my own dog. The process was straight forward. They returned my emails promptly and I received coverage for exactly what I expected to. I went the route of having a pre-auth done for a MRI that we needed. I went in knowing I was covered and then we did a direct payment to the specialist so that I only had to pay my 10% and the tax, meaning I wasn't waiting to get reimbursed. Overall, I've been pleased with my first claim through them.