I have had two instances to use the services of Trupanion. Although neither were situations one would wish for, they turned out to be good experienced with Trupanion. Getting a quote ahead of time allowed me to know what to prepare for and to be sure the vet costs were covered as expected. They paid claims immediately therefore. What a great experience. I am so happy we have been with Trupanion no for nearly 4 years. Thank you.