I have had both my dogs insured for over 8yrs. I have had many claims for bladder stone surgeries, ACL repair, cancer, chemo, leg amputation, torn retina's resulting in blindness. Imaging such as x-rays, ultrasounds. Biopsy's on tumors and cyst. You get to pick your level of coverage. I choose $200 deductible with 90% coverage or 80% specialist. Without this coverage I would not have been able to help my pets to the extent I did. You pay your vet and then submit claim. Most times my check is already here before the credit card statement is rec'd!