Best thing we ever did was to purchase Healthy Paws insurance for our dog, Jake. He had to have x-rays and meds for a hurt paw. My vet submitted the claim and Healthy Paws kept me advised of the status throughout the process. Easy as pie and received 90% of payment the next week. It truly does pay for itself. I tell all my friends with pets that they are crazy not to purchase this. Jake also has a skin condition and Healthy Paws pays for his monthly medication. Simply cant go wrong. And to top it off....best customer service ever!!!!!!