I was very doubtful that I would get reimbursed for the many injuries that my dog sustained within 5 months (bacteria illness, double ACL injury, therapy) we ran up multiple HEFTY unexpected bills. However I was very happy to hear each time that they would reimburse me, and their turnaround time for claims was quick. I got my dogs physical exam done beforehand and followed their guidelines. They also called and followed up on how my dog was doing post surgery. GREAT CARING COMPANY and very much worth the small cost.