We are so grateful to have insurance on both of our dogs. One dog has never needed it (thankfully). However, we have had to use it far too much with our other dog. That being said, the service has been incredible. It is easy to make a claim. They are fast with confirming received claims, and letting you know how much is covered, and then sending the checks. Also, the few times I've talked to someone on the phone they have been very kind and helpful.