Our 80 pound labradoodle stopped eating, was vomiting, and had diarrhea for about a week while the vet was trying to figure out the issue. After 4 vet visits and almost $2000 spent he was finally doing much better. We submitted the claims and were covered to the maximum extent of our plan and got the checks in the mail within a few days. We forgot one form and they emailed us right away so we could send it back and recieve our full reimbursement. Couldn't have picked a better insurance company.