My first Pet Insurance so I cannot compare, but I must say that my experience is superb! the Vet clinic faxed the claim form for me on a Thursday and I received an email the very next day and my check was in the mail on Monday. All of this while I was getting updates on my claim status. The process is painless and I even signed up to get my next reimbursements via direct deposit! the customer service staff (all three of them) have been sweet and sound happy to talk and answer questions.