I love trup anion I signed radar up when he was 12 weeks at 9 months we started treating his allergies I pay 61 a month 250 deductible once I hit the deductible they pay me 30 more a month then I pay and it usually back in my bank account in 2/3 days bit that may be because it happens monthly about the same time. Now with radar needing his palate shortened, nares widened and a torn acl my vet faxed in the pre approval form a couple of hours later I got a call and email that both were pre-approved and we met our deductible on the acl with his x-rays and meds to get us through till surgery. I have to pay what I am sure is going to be a hefty bill up front but knowing we got it pre approved helps. I know that wont/can't happen every time. I would recommend trupanion to anyone