Our chocolate lab, Quincy Jones, got sick because he ate something he shouldn't have (pretty typical for labs, eh?). Unfortunately he had to go the ER to get checked up and had to stay for several days :( Luckily everything turned out just fine. We sent the claims for both the regular vet and ER vet, it was approved within 1 day (AMAZINGLY fast!), and they covered everything that was stipulated in the initial paperwork. No surprises, nothing. Furthermore, the CEO reached out to us later and asked us about how Quincy was doing. Just an overall warm and pleasant experience (except for Quincy getting sick). I would recommend this to any and all people who are considering pet insurance - which if you have a labrador, you better seriously think about it!