When we rescued our dog we soon found out she was very active and would get into everything. We bought the insurance in the event something happened it might cover some of the vet bills. There we were a little more than a year later and rushing to the vet and a $512 bill. After the deductable and items that were not covered we were reimbursed for $315. The items not covered were not related to the urgent care visit, rather items we had the vet do while we were there. The claim was easy, and we received our check in a short amount of time (less than two weeks - not sure of the actual time as we were on vacation when it arrived). Our girl is fine and as active as ever.