Cannot say enough how grateful we were to have this when we needed it. Went years with no claim and then bam, back to back ones. It was so easy to file, response/processing and payment were prompt. And they called to check on status of our four-legged kid plus sent a card. If you don't have it, get it. Without it, we would not have been able to get the answers we so desperately needed. Even though our prognosis is not good, we were able to make an informed and educated decision and we are forever grateful for that.