I have just filed my first claim, it was paid within a week. I wish human insurance companies were so quick. I had a Banfield wellness plan for years... each month I paid out so much money... and while the one to two wellness visits each year were covered... if one of my dogs got sick or injured... it was all out of pocket. I have four dogs... three of which range 50-125 lbs. My smallest dog was recently mauled by the larger dog... even though, thankfully, he was not seriously injured, I felt relieved knowing if he had been, an emergency visit is included in my plan.