I have had a couple of claims with my dogs (I have 3 samoyeds) and some have been denied for obvious reasons. I understand this is a business also and pre existing issues are not considered. I just recently had my youngest samoyed who is 4 years old diagnosed with Addison's disease which is an adrenel gland disorder. It took them about 5 days for review and processing and the reimbursement was deposited with 2-3 days after that. This is a lifetime disease but not as costly as other diseases so I know that they will pay for any issues that may arise for this claim. I was relieved to know that the insurance would be there for me when needed.