My Golden Retriever has skin allergy issues. We tried everything, the special food, antibiotics, steriods etc. Our last hope was a expensive pill that has to be taken even day. It costs $140 a month. Pets Best processes the claims fast! It of course depends on the volume they receive but for example yesterday was Sunday. I faxed them a very simple claim form. Today Monday, I received a email around 1 PM that the claim was received. Two hours later I received another email that the claim was processed. They will send me another email within 24 hrs with the breakdown. Then the money will be direct deposit into my checking account within a day or two from experience.