Many months (over a year) after the death of my pet I discovered I had not cancelled my coverage or filed many stale claims. When I contacted customer service, they quickly offered to refund all premiums since the death of my pet and also express their sympathy for my lost. When I told them I had claims for many claims over a year old they said, no problem, send them in. Well I never expected to hear back from them. I was wrong, they credited my credit card account with all the premiums overpaid promptly and processed many years of claims within the month. These are honest and caring people.