Our dog, Bailey, was vomiting and hardly eating anything. The vet performed many tests, did xrays and untrasounds, then finally exploratory surgery. It was determined that Bailey has Inflammatory Bowel Disease; she's fine now as long as we feed her the most expensive dog food in the store! Anyway, this was a very expensive experience and our claim was for over $3000. The representatives on the phone were knowledgeable and helpful. Our claim was received and processed promptly without any complications. Overall, it was a very easy, professional process and we are very happy with this insurance.