When my 10-year old dog came in from being outside looking like he'd eaten something very bad for him, I didn't hesitate to bring him to my vet even though it was a weekend because I knew I would have help paying my bill. I love my pup so much I don't think I could hesitate anyway so it's a comfort to know that I'll get some of my money back. Claims are easy to make & get resolved quickly. My vet spent several hours with us & helped my pup to recover quickly & completely. Soon after I filed the claim I had a nice chunk show up right in my bank account -- so easy!