My dog was having trouble urinating and it turned out he had developed some bladder stones. I had to put him into the Emergency Clinic over the weekend and then his regular Vet performed surgery the following week. Needless to say, this ran into some serious money. This was my first claim with Trupanion and I wasn't sure how to go about it, but I called and the rep helped me fill out the claim form over the phone. She was really helpful. All I had to do then was email copies of the bills. I got everything settled in about two weeks and was very happy with the claim settlement. Having this policy made it possible for me to get the best medical care for my dog, so I consider it an excellent investment. Would definitely recommend Trupanion for any pet owner.