I secured coverage for my dog, Roscoe, in January. At the time, he was a 10 year old, happy, healthy, 80 pound beautiful dog. At the beginning of February, he became seriously ill. It turns out that he had spleen cancer. He had surgery to remove the spleen and has now started chemotherapy. I filled out a claim form and receipts for the surgery, and emailed it to the claims department. It was for several thousand dollars. That happened on a Friday. By the following Tuesday, I had already received a check for the exact amount I expected! I was SO surprised at how fast and easy this was. I'm extremely grateful that I purchased this insurance. My beautiful dog is gravely ill, which is stressful enough without having to worry about the bills. I've told several people to get this insurance for their own pets!!