I am an hbc petinsurance since 2013, I always make my payments on time (Never had to use the insurance since September 2014).
I had to wait 4 weeks before receiving a confirmation that they had received my claim...I was not reimbursed because it was less than the annual deductible. 2 Weeks ago I sumbitted a claim, and I still did not get any response from them. THEY ARE EXTREMLY SLOW, SLOW SLOW. I have never experienced anything like this before.
Anyway, I will change my pet insurance next year, and please do not select this company for your pet if you want a fast and responsive service !!! WORST SERVICE EVER WITH AN INSURANCE COMPANY.