I've had my policy for over a year and just this month I have had to use it twice for my cat. First to remove tumors and a second time as a follow-up to ensure the cancer had not spread past the tumor and into my cat's hip bone. My bills were slightly over 1K and trupanion handled my claim and I had a direct deposit into my checking acct. within 2 days! Really nice to know I can depend on the promise Trupanion sells when the policy is purchased. They are a class act and frankly I wish my own health insurance provided the excellent overall customer experience that I have had with Trupanion! It's so comforting to know that should anything come back I can worry about getting my cat the very best vet care and Trupanion will take 90% of the financial hardship off of my shoulders.