I've had this policy for six years for my six year old Yorkie, Maggie. She recently had a severe stomach upset which left her ill for several days. We were back and forth to the vet for xrays, blood work to rule out a more serious condition. Thankfully she recovered completely and returned to normal. I submitted several claims (forms are easy to use) and faxed them in. The claims were processed promptly and I received checks for each claim. I also received emails and a follow up call which was nice. I have been happy with this policy. It just a little peace of mind to know I have it.