My maltese Giovannni is only a year and half old. He came down with Gastrointestinal Issues and had to be hospitalized. I had never submitted a claim for illness and was a little nervous. I called the insurance co when he was in the hospital and explained my situation. The woman was very nice and looked up my policy and told me I should not have any issues with getting my claim paid from what I had told her. She advised me to call my Vet and the hospital to get the last 12 months of records on my Giovanni including doctors notes. She said it would speed up the claim process when I submitted it. Well I submitted less than a week ago and my claim is already approved!! I could not be more pleased with them and I could not have picked a better insurance co!!!