I've had this insurance for my dog's entire lifetime, going on 7 years (starting back when it was just known as the PetsHealth company/plan). The claim forms are very easy to complete and submit, and the company has always handled them very promptly and efficiently. Most recently, my dog had digestion issues, and our vets had to run several tests including an investigative procedure and biopsy to reach the diagnosis of inflamed bowel disease for which he is now on medication. This whole process was rather expensive but the insurance was able to cover the majority of it, and they provided clear and reasonable explanations for the amounts not completely covered. I was surprised though pleased at how quickly the large claim was processed. I could not be happier with or more confident in this plan and company in caring for my dog and me. I've always strongly recommended them to other pet owners, and even moreso now after this.