I just enrolled today and have not yet submitted a claim. What I can tell you so far is that my previous coverage with another insurer cost $40 more per month, had a lifetime maximum of about $5,000 (my kitten is barely 2 years old), a $100 deductible, 90% coinsurance and their claims payment practices were atrocious. To get reimbursement for a simple claim, I had to send her medical history in 7 times, my vet sent same history in 4 times and the claim has still not been paid after 4 months of phone calls and emails. Trupanion is not only cheaper but the coverage is better: nil deductible, same coinsurance, but no lifetime maximum. I'd give you a 10 but you don't have microchip tracking.