Our Chocolate Lab Cosmo developed an intense nausea and vomiting. She did not have an appitite, nor was she drinking any water. We had to take her to an ER vet after hours for treatment. She was not better the next day; we took her back. She was diagnosed with an inflamed pancreas. Cosmo is now recovering at home. Within one day, we got an acknowledgement email. Our claim was processed fast. Twp CSR I spoke with were sympathetic and very concerned about Cosmo's condition. We would not dream of having any other insurance company.