After reviewing the different policies for pet insurance we decided to go with Trupanion for our bulldog puppy last November. We were lucky to have done so right away since not too long after we got him he got pneumonia and cherry eye - both resulted in very expensive vet bills which we hadn't budgeted for considering the short amount of time we had him. The day I faxed in the claim forms, I received an email verification letting me know the claim was received. A few days later I received an email letting me know the claim was being processed and then shortly after an email stating the results from the claim processing. It took about a week or week and a half from sending the claim in to receiving a cheque in the mail. I was worried that there would be a delay with getting vet charts into the insurance agents since he saw a specialist as well as our regular vet, but this was not a problem for us at all. I am extremely impressed with the short turnaround time for processing our claims and I would highly recommend Trupanion to any dog owner.