Our dog Bailey had some genetic leg issues manifest early in her life that resulted in multiple surgeries over the course of 9 months. Trupanion was great. The claims process was super easy and we received our reimbursement usually within a week. If there was going to be a delay (usually due to our vet), Trupanion would contact us and let us know what was going on, if there was something we could do, and when to expect reimbursement. They have been fantastic. When you are busy worrying about your dog it's great to not have to stress over the financials.