On March 7th our 7 year old Lab had ACL surgery. The first claim went right thru with no problems at all. On May 26 she needed a follow-up with sedation x-rays. The doctors office faxed the forms for us. in less than 7 days our claim was processed and paid. I would recommend this company to anyone who is thinking about getting a four legged family member. this is our second company and this is the best. Previously we had VPI and it was a nightmare .