I submitted a claim for a new illness for one of our cats that and all I had to do was submit all the supporting documents that were requested and they processed my claim fairly quickly. The only thing I didn't like was that there are limits to how much is allowed, just like in medical insurance. This in itself is not the problem, but in all the documentation I read before signing up, there was no mention of this. For example, if it costs you $500 for an xray, there might be a maximum allowed for said xray, like say $400. So the plan only covers the $400 because that's what's allowed and that's what you'll get minus any deductible and co-insurance. Just wish I knew that in the beginning and that there was some sort of table that outlined the maximum allowed for those things. Other than that, loved the service.