I bought this for Annie, my Shelter rescue Stafford after seeing some friends with some hefty Vet. bills. She was always very healthy with only annual visits. Six or so months after purchasing she starts collapsing for no reason which turned out to be a neck nerve issue. Two months later I find a tumor on her chest. Two surgeries later and in the second month of chemo therapy shes doing well, and I sure as heck am glad I can recoup some of the bills. Submission is easy via fax, email, mail and you can track your claims online. Payments are usually made within a few weeks of submission. Overall as pet insurance goes, this is a solid plan. Make sure you get the continuing care so you are covered from the previous year injuries.