Was able to fax the forms to the claims center. They were acknowledged within 2 days and within the week and I was notified as to what amounts to expect as reimbursement. They do not pay for “consultations”–(the Vets examination necessary before the Vet institutes treatment). Unlike human health insurance, they were true to their word and reimbursed 90% of the bills after I paid my deductible. Took about 2 weeks to received the checks in the mail. The Vets wanted a deposit up front–as soon as we said we had Trupanion insurance, they went right to work. I am so glad we had the insurance! Our Marcus is healthy and happy again due to the excellent and immediate care received. Great investment and peace of mind.