We haven't had any problems with this insurance. We have had them for a couple of years now for both our dogs and we send our claim in and normally receive an email with a day or two letting me know they have received my paper work. And i will then normally here from them with a week or two that my claim has been processed. I also had a dog pass away under this ins. and everyone was so thoughtful and caring, they called us to see how we were doing and sent a sympathy card also. A very caring company. Would recommend them.