Our 9 month old puppy accidentally got into the garbage and, unfortunately mixed in was a lot of grapes. We rushed to the ER but fortunately everything came out alright in the end. The bill however was nearly 2500 bucks, including a vet's follow-up visit the next-day. This included two nights in the ER, etc. We were able to easily use the app to take a picture of the bills and make our claim. I had the 90% coverage and I was glad. Being pretty cynical, I assumed everything would get rejected on technicalities or would get lost in their system but they put it thru right away. And they even sent an email checking on my dog. Amazing.