When our dog broke his leg we had to pay over $2000 in veterinary costs up front. Having never filed a claim with Trupanion before and expecting the process to be more complicated I phoned and spoke to a friendly representative who explained the process to me. Within a week or so of submitting our claim, our reimbursement was on its way. So simple, so easy, so quick. I wish human health insurance was so efficient. I have recommended Trupanion to many people.