I've had two dogs insured. Duncan had an intestinal/ bacterial infection on Christmas day, and had to go to the emergency veterinary hospital. Thankfully a large portion of his treatment and overnight stay was covered. When he was diagnosed with melanoma, again they covered a good portion of his treatment. Oscar was bitten in the park, and it covered his needed stitches. It is easy to submit a claim online, and they communicate well and send a check promptly.