Kore has been suffering from thyroids and arthritis for last 5 years. Now when she is becoming 12, started to suffer from some kind of immunologic illness. Al the time she has had the care that she need because all the trupanion support. For me it has been really helpful and it has made the process easier all the time. I NEVER have had a refusal and all the time I have had the refund for the expenses. Last months it is even more better with the direct claim service.