We had paid the monthly premium for nine years and never submitted a claim. When our cat got seriously ill and eventually passed, the time came to finally submit a claim. I filed the claim with great trepidation after reading the many horrible reviews online.
Imagine my surprise when, after a very reasonable time period, reimbursement checks arrived in my mail. I still paid much, much more in premiums than I received in benefits but I have no quarrel whatsoever with this company's claims paying integrity.