Zhu Zhu had had her insurance policy for only 9 months when when contract a fungus and needed treatment. Besides the vet appointment, 6 weeks of daily pills took the total bill up pretty good. I almost didn't make the claim because I didn't feel like the hassle of trying to get reimbursed. Don't all insurers make you go through hoops to get paid? Well, not this one. I put in the claim, 2 days later I got confirmation it was under review and within 2 weeks, I got a check in the mail for the entire amount of the claim. OK, this insurer just turned me into a believer. I have told everyone about this awesome experience. This one claim paid for Zhu Zhu's first year of insurance. Now that is a great payback plan if I ever saw one. I would prefer not to have Zhu ill, but this is good to know that someone else is going to help pay the bills. My newest girl, Ditto, has her own plan too! Thank you so much!