As there is no selection for my insurer I will state it is 24Pet Watch. When filing a claim it has taken up to 8 weeks to receive a check from them. They always question the submission even though the vet's invoice is submitted with the claim along with the health records. It is usually a question of the vet writng the exact words they want to find to pay the claim. Thus it is a hassle to settle with them. They have always paid eventually. If you call their phone there is a 10 to 20 min or more hold time, always.