My Golden Retriever became ill, vomiting and diarrhea - took her to our vet and they ended up keeping her overnight and giving her an I.V. My first submission for a claim was denied actually, but they explained what I needed to do to "appeal" the claim; that is, provide more information from the vet, which I did. Once I sent the additional required documentation, the claim was then approved and paid. So, at first I was dissapointed that the claim was denied but then they worked with me to turn it around. Thanks.