I finally decided to buy insurance for my dogs and wasn't sure how it would work. My 8 month old puppy wouldn't stand up the night before I was leaving for vacation and my vet was closed. I had to take her to the ER for an exam and, it turned out, an enema. The bill was about $190.00. I submitted the claim on a Wednesday, had a response on Saturday and received my check the following Thursday. Excellent service!