I recently found out that my 8 1/2 month old puppies both have severe elbow dysplasia. They both needed major surgery or they wouldn't be able to walk. They both had surgery which totaled $14,000! We sent in the claims and it was approved and checks were mailed within a week. Everyone was so easy to work with and they worked quickly to process the claims as they knew I had incurred very expensive vet bills. I have already recommended them to several friends.