My own dogs fought with each other after living peacefully together for almost three years. We determined it was a foster dog that triggered the animosity. It happened in an instant. I took both dogs to the emergency vet on a Saturday, about three weeks ago to get patched up, and have since been back for follow ups. I submitted my claims and have already received my reimbursement. Once the claim was submitted an email chain ensued to keep my posted of the status of my claim. I wish human insurance would work as well. In addition, any time I have called with a question, I get a knowledgeable and courteous human. Thanks, Embrace. ps. I tell the vets office and anyone else with pets about the wonderful service you provide.