I've sent trupanion numerous claims for my puppy's ongoing urinary tract infection. Every claim was quickly processed. I received a check in less than 2 weeks. Their rates are very reasonable. They will reimburse you 90% of your ACTUAL bill (excluding your vet's fee). Most other insurances reimburse you 80-90% of what THEY think the cost should be in your area. Trupanion is great. I highly recommend them.