My dog is old and my claim was high! It was for orthopedic surgery. No hassle, no sweat! The people at this company are terrific! Even better, quite professional and competent. The company lives up to it's promise. I couldn't be more pleased with the service and reimbursement. I truly wish human insurance companies were as well run! I promised my best friend I would always give him the best care I possibly could and this company made that possible.