My Dog is allergic to bee stings, an epipen ($105) was coveraed at 90% as per my policy. Within 1 week of faxing the claim, I had a cheque in my hand....as usual. I have never had a problem dealing with Trupanion. They pay everything they promise to pay. Only grievance is the increase in premiums (due to inflation only--not due to claims or age of pet). Very satisfied.