So far our experience with Trupanion has been amazing. Our Boxer/Mix puppy got very sick and almost died. He ended up at UC Davis on a ventilator for 5 days. Our claim was over $15k. Once we submitted the claim, Trupanion started on our claim that day. The only hold up was getting medical records from the vet. After the records were received we received our check within a week. Trupanion covered everything the policy said it would cover. Without having this insurance, things may have turned out different with our puppy.