I have had to process two claims through 24Petwatch. The first claim took two months to process and get the check out to me. The second claim, submitted June 24, 2014, is still processing. It's August 15th. The policy is terrible. $100 deductible per incident, plus a $30 co-pay, and then AFTER all that 24Petwatch only covers 70%. Forget it. I've changed to Healthy Paws Pet Insurance. Exact same monthly premium, $250 ANNUAL deductible, plus 90% coverage. AND... they processed my claim within 10 days of submission. I'm over 24Petwatch. On the phone right now waiting to talk to someone and I'm person #17. Too much hassle for very little help or reimbursement.