Our Buddy is a very healthy 3 yr old Harrier. Healthy except one day he ran through a gap on the floor board and ripped 2 claws off ($500). Another day his anal gland ruptured and need surgery ($1200). And then there's an episode of UTI ($500). Even my vet said for a healthy dog he does go in a lot. So good thing we have insurance! The claim submission is pretty painless and response is very quick. would recommend.