I signed up my adopted 6 year old Jack Russell with Trupanion earlier this year and recently had a major claim due to an infection that required surgery. The Trupanion representative was easy to reach on the phone and was great in helping me obtain the required paperwork. Trupanion paid exactly what their advertising and contract promised and they provided a detailed explanation for each item in my claim. They processed the claim very quickly once I obtained and faxed them the necessary paperwork from my vet and the surgeon.
There is a fairly high deductible and the policy doesn't cover preventive care but that's appropriate for a "major medical" policy. It provides exactly what I need to ensure that I won't have to deal with a huge medical bill for a major sickness or injury and the premiums are very reasonable compared to the cost of "full coverage" insurance I looked into. Overall, I'm very pleased with the policy and with the company.
Jack Russell Terrier