Very impressed! I've been paying for insurance for my 50-lb dog just for this year, and finally submitted a claim this July. I was a little scared of having wasted my money since no one I knew had ever submitted one before, so everything was heresay. But I submitted it, got an email that night that it was processing, and within 1.5 weeks (they say the 1st takes the longest) got an email detailing what they would never be able to cover, and what they could cover from this claim, which was everything!, and very reasonable. All outlined for me so I won't be confused in the future, and won't bother submitting what they can't cover. Got a check in the mail within another week. Yay! I'm very happy they have my business!
(Details: It was a surgical removal of a little lump on the ear, and she had had little bumps on other areas before, so I worried they wouldn't cover it based on similar "pre-existing" things even though there was no proof they were related. Apparently, and happily, they get specific - they won't cover if they come back in the exact same spot. But luckily I found out it was nothing, so I won't worry. They did not cover the nail trim. Duh.)