I've had Trupanion for 6 years now and have 7 animals insured. My 17 year old cat has Hyperthyroid and, as a result, has ongoing issues. Trupanion has always taken care of the claims quickly. I can't stress enough...DO NOT WAIT UNTIL YOUR ANIMAL IS ILL TO GET INSURANCE. IF you insure them immediately upon adoption/purchase you'll love dealing with this company.
I have always had more than a pleasant experience with them. For years I didn't have to make claims, however, over the last 12 months I've had claims paid on 5 of my 7 animals. The overall amount paid out by Trupanion was over $12,000. These policies allow me to provide top notch care for my fur kids :)
The staff are ALWAYS wonderful to deal with and nice to chat with. IF you are shopping for insurance please consider this company...you won't be disappointed!