First they lost the claim I sent it, but I am hoping that is not ordinary practice. They did, however, quickly go through the claims process once they finally figured out it was lost. But apparently the bills I receive from the vet have to be very precise since. For example, after my dog was injured, my bill stated $50 for prior service, which was the vet examining the injury. However, since they assume it's a prior balance owed, I now need to figure out how to get my reimbursement. I don't much care for the reimbursement process and wish that the process resembled my own insurance. Aside from that, they are always extremely friendly, seemingly concerned and very helpful.