Since my little guy was 4 months old, we've had him insured with Trupanion. Although he's generally quite healthy, possibly because he hates going to the vet, recently he's had an issue that required a couple of visits and x-rays. Not only was it immeasurably easy to scan and file the claim forms on line, but I couldn't believe how quickly they responded. Literally within 30 minutes Trupanion had acknowledged receipt of the claims by email, and within 24-48 hours determinations were rendered. It would be nice if human insurers were as responsive!