It's so easy to place a claim through their online site; fill out a few lines, scan receipts and send. They always process my claim promptly. The payment is posted into my account in a few days. It only takes less than a week for the whole process. I'm very thankful I can get the peace of mind by such a small amount of monthly payment. My younger daughter first purchased this pet insurance for her two doggies which was recommended by her vet. She recommended it to me for my cat. Now my older daughter has this insurance for her dog. We are all very happy with this pet insurance.