Our little dog Joe developed Pneumonia, and had to be hospitalized. We filled out a claim form, and Trupanion took it from there - no arguments, extra back and forth paperwork or arguing with the claims adjuster. Our claim was settled promptly, as well. Would love to find an auto or health insurance company that was so efficient! This is our second claim with them; the first one was for another dog who had a glioblastoma five years ago. We have a 1000 deductible on the policy, since we have four dogs. This insurance is worth it, for the real emergencies and major stuff. Well done, Trupanion!