The was my first time using pet health insurance (Trupanion) and it was an excellent experience. I took my 4-year-old Boxer Smokey to the ER, got all the same treatment as I would have had were I on my own dime, paid the bill and had the vet submit a form to Trupanion. Less than a week later I had a check in hand for exactly the promised amount. Couldn't have been simpler. I strongly recommend Trupanion.