We adopted an adult German Shepard from the SPCA four years ago. We hadn't purchased insurance for other pets we'd owned and had some large vet bills with our last dog so thought we'd try insurance this time just in case. We had one small claim in the first year that was settled promptly and then just before Christmas our vet said that we needed to get X-rays and tests for a heart murmur. It was pretty expensive but we swallowed, handed the credit card over, and then submitted a claim. We received an email within 48 hours advising us that the claim had been received and was being reviewed, and today, one week after we faxed it in, we received an email notification that it had been approved. We hadn't expected to hear back so quickly. It was great news.