I put in a claim April 5, 2015. Three and a half months later, I still haven't been reimbursed. They claim they are missing paperwork my vet's office has already faxed them twice. This has been a problem with them before. Since the April 5 claim, I went back to VPI for coverage. I also took my dog in for routine vaccinations and her yearly checkup in May, submitted the paperwork and was paid within 2 weeks time. VPI is much less expensive for better coverage and they process their claims quickly and efficiently.