We have a lab puppy who after 3 weeks of having him ate one of our kids toys! After an overnight visit at the vet, x-rays, and medications we were faced with a huge bill. Thankfully the vet submitted our claim to Trupanion with the documentation and without any questions we received a check in the mail for the exactly the amount we had planned for. We paid our deductible and co-insurance. Trupanion is high cost than other programs we looked at however after such a great experience it is likely we will stay put!