The response is prompt and only limited by vet who doesn't turn information in promptly. We have a deductible with 90% coverage for both dogs. When the insuranace company has a complete file, they have paid promptlly. We are awaiting resolution of our latest claim in the amount of $4000 which was created by a rare oral cancer on our 2 1/2 year old Golden Retreiver. By the way she is pronounced cured and we were able to go to the best oral surgeon in Northern California with no limitation.