I have the Level 3 insurance for my two cats, have paid premiums since 2011 and have not had to use it until this May 2014. I had over a $3000 bill with the emergency vet. It took a month to get the claim processed then another 2 weeks to get the check. Then when I presented the check to my bank, Wells Fargo to deposit, the bank won't accept the check and tells me it is a fraudlent check. So it is under investigation. Phone calls the 24 pet insurance are useless and I'm still out $5000 between premiums I have paid and the check that Wells Fargo won't accept. Not good.