My German Shepherd recently had to go to the ER as she was having trouble breathing and swallowing. The vet sent her to a specialist who ultimately recommended surgery to fix any potential tears in her trachea. I submitted the bill the day after surgery expecting all kinds of loopholes and requests for additional information, etc. Instead, to my surprise, the claim was approved in less than 24 hours without any additional requests! And, we even received an e-mail checking on our pup to see how she was doing. Purchasing this insurance was absolutely the right decision. Having peace of mind when you are having to make health decisions for your pup is priceless!