Every time I have submitted a claim I have to follow-up with them to see if they got it because it takes so long. It says on the website 7-10 days to process claims which is not at all true. I have also had to send claims in multiple times because they say they didn't receive them. Often they do not even begin processing it until I contact them. I haven't run into the problem of them not covering a claim yet but that is yet to be determined since I am still waiting for them to process them! I am considering switching companies.