I couldn't believe my claims (the first I ever submitted) were processed so quickly. I had our dog neutered & a Lyme vaccine within 6 weeks of each other. No questions asked when I simply faxed the claim form I filled out with the vet's receipts. They even sent me emails telling me when it was receive & was being processed & then I got the check in about a week. I got an email today making sure I got it! The only other company I get service like this is LL Bean!!