This insurance is one of the best investments we have made. On the 4th of July in 2013 Ozzie was unable to keep any food down & because of the holiday, our regular vet was closed. We took him to the emergerncy vet that day & our regular vet the next day. We filed both claims immediately & received 90% of our costs back within a week! We recommend this insurance program to all of our friends & family.