Our Simi started out with what the vet thought was a bladder infection. On a sun night we rushed to an emergency animal clinic. Exrays showed stones in her bladder. Removed 30 stones. We filed our claim for $3200.00 We received a phone call within days saying claim was processed. The caller also sounded truly concerned about our dogs illness. 4 weeks later we are rushing her to emergency again. Anal gland ruptured. Three claims filed for that. Follow up calls from ASPCA. Claims paid. Wish my insurance company acted like my dogs. They care about your pet!!!!