Rusty, Turner, Our beagle-terrier mix is our child. He went in for a routine physical and the labs that were returned were abnormal. In the course of three days, Rusty had more lab tests and an ultrasound. Final diagnosis-weak kidneys without any serious kidney damage at this time. The whole bill was over $1000.00 under $1200.00. I sumitted three claims for that one incident and was pleasantly surprised that I got a check with in a week of faxing my claims. This is unbelievable and pleasantly surprising. I have had this Pet insurance since 2006-2007 and never regretted paying for Rusty. Thank You for prompt, courteous service!!