My dog needed gastric surgery. Claim was handled quickly and paid fairly well. I know of other insurance that doesn't pay nearly as well, so I am pleased. But my policy has a hold because seven or eight months ago he had an unexplained illness, so now this hangs over our head for one year and then I have to get all his records together to them and they will decide if he is over it and can just have his insurance in full. I don't like that at all. I like things easy for me, and since he had no visits until this gastric thing, it should be automatic that he is cleared.