We didn't insure our dogs until they were ages 5 and 8; one already had a few health problems which are understandably excluded. In 31/2 years we have made numerous claims, and all have been paid promptly. 15 months ago, our older dog had a major health crisis requiring hospitalization and extensive diagnostics - there has never been any question about reimbursing for emergency treatment, diagnostics, or ongoing treatment for 2 conditions which are chronic. Our most recent claim was approved the day after it was submitted, and we received payment within a week. I can't recommend Vetinsurance and its staff highly enough!