My dog suffered complete cranial cruciate ligament rupture and had to have surgery to repair her knee. On the day the vet hospital submitted the paperwork for the claim, I received an email from the company telling me that the claim was being processed. The next day I was told the check was in the mail. I was amazed at how quickly my claim was handled. I want to add that every time I have communicated with the company, they have been friendly and caring. I have great confidence in them.