My pet had a massive ear infection in both ears and a bad allergy. You wouldn't know because he seemed fine. I filed all of my claims eve though they were over a month old and the ladies I spoke with were so wonderful and nice to speak with. They put the claims in and on the same day they were processed and completed. One was not so I called the next day and she processed and completed while I was on the phone with them. They have pets too so they know how it is to be a pet parent.