We have a great mixed breed(lab/chow mix)who we describe as 62 pounds of love surrounded by 5 pounds of fur. Recently, we found a lump near his neck. The vet said it had to be excised, and after the surgery, the bioposy revealed that it was cancerous. The vet has scheduled followup care. We submitted a claim, and got a check for 80% of the amount less the deductible within three days of submission. We have had followup from the company, and prompt payment of the subsequent bills. Human insurance should be so good!