Winston was diagnosed with CCL tears in both his hind legs. He would need bilateral TPLO surgery. I was very nervous when submitting my claim as I assumed it would be a fight to get a reimbursement. To my delight, the claim was submitted by me on a Saturday and by Monday, I received confirmation that the claim was approved and would be reimbursed in full as per my plan ($500 deductible and 90% reimbursement). By Friday of the same week, I received the reimbursement check! I can't tell you how pleased I am with this company. I have had other animals covered by other competing companies and have never had this level of service or reimbursement. There was not hassle and I highly recommend them to all of my pet loving friends and family.