We have our dogs and new new kitten covered with pet secure. We have always had our claims paid within 2weeks from submitting forms. We have had no problem at all with this company, and, see having pet insurance as an expected expense in pet ownership. The relief to know that any accident or illness will be covered, and, that we will never have to worry about where funds will come from to help our animals is well worth the premiums we pay. The preventive coverage is extremely important to us as well.