The claims I have submitted were usually routine yearly visits and medications. I have two yorkies and I actaully get most of my money back after submitting claims from my Vet. I have, thankfully, never had to submit a claim for an emergency, and neither of my doggies have major health issues. My claims are always processed in a timely manner and, besides my vet charging an arm and a leg, I am very satisfied with my reimbursement. They usually charge more than what is allowed by my policy. However, it is great to know that if an emergency comes up, I will not have to carry the vet balance alone. I appreciate the fantastic customer service I get when calling in to ask questions. The website is awesome as well!