My cat stopped eating for 3 days and was running a temperature. I took him to the vet who did several tests and xray, but could not find a cause. They fed and hydrated him intravenously for almost 2 days, and when I took him home, he finally started eating again. When I filed the claim, of course I couldn't find his complete records; once they were complete, I got a check in less than a week. Given that delay, I am now hunting down the records of my other animals just in case.