I have a 3 year old Chocolate Lab, and anyone who has a lab knows they like to put stuff in their mouth. This includes things they should not be eating. Max had to have surgery to remove a blockage from something he ate. I filed the claim on Sunday via email, and I received my check on Friday. The claims process was very easy, the staff/reps were very helpful and nice and processed my claim with extreme effieciency. What a great experience, and I am glad I had the insurance.