Our 3 year old yellow lab Bella began limping on her left hind leg after an afternoon training session. After a few days with no improvement we visited our vet and was referred to a Vet Surgical specialty center. Torn ACL (CCL). Best option for her was a TPLO. Cost was $3250.00. We had taken out insurance a year ago and glad we did now. I was not sure how this was going to turn out so I called customer service and they were extremely reassuring on how to file the claim. Long story short, I submitted claim with all records on line on Monday. I received text they had my claim and by Thursday I had e-mail with EOB and Friday a e-mail saying check was in the mail and then another e-mail inquiring about how Bella is doing. This is the best experience I have had with any insurance and they paid off just like they advertise. No surprise.