I bought insurance when I got a new cat and after he was examined by the vet. He was from an old friend who had died. About 2 months after the adoption, I found a lump on him and it was lymphoma. After an initial denial, which was due in part to an error in the vet records, Trupanion paid his claim in full for surgery, heart work up, and follow up chemo. Thank goodness I bought this and I had a full physical exam at the time of purchase to document his condition. Over $4,500.00 in expenses were paid, very promptly once the initial denial was reversed. The claims rep, Cheri, was very nice and helpful.