We were at the farm with our three dogs, as usual, when one of our horses spooked and jumped. Our 14&1/2 year old Belgian Malinois (Zorro) was nearby and our spooked horse tripped over his foot (slightly) and caused a skin avulsion. Thankfully it wasn't worse - but we took him to the vet and got him patched up at the Emergency Clinic. Next day I filed my claim and within a week or so we received the check. Much faster than I anticipated! Quick and painless claim... Zorro is doing well and his wound healed over and we can't even tell there was anything ever there.