I have a new service dog and it is imperative that he stays healthy. He had to go to the vet for an infection in his prepuce (he had something lodged inside - it's a mystery to everyone.) He needed flushing, a culture, and antibiotics. And of course a recheck.
Never having had pet insurance before I was a bit nervous about the process. But, submitting my claim could not have been easier. I scanned and submitted my form and receipts via email. Very shortly afterwards I received noticed that my claim had been received and was told when it would be processed. It was processed when promised (quicker actually) and the amount covered was deposited in my bank account within a few days. I wish my personal health insurance worked as smoothly!