Trupanion answered my questions, processed my claims quickly and kept me informed of progress on the claim.They dealt directly with the vet so I did not have to do that. There was a deductible and ineligible expenses, including any assessment from the vet. This may be common practice with insurance companies. I received close to 50% back when the tax, ineligible expenses and deductible was deducted. However, they will continue to reimburse expenses if the problem is ongoing which is good.