I filed my first claim, which was only the cost of a prescription, and it was approved and put toward my $500 annual deductible. It took around two weeks for it to be approved, but they requested a year's worth of medical records from my vet before they would process it. So part of the wait was the delay in medical records. Overall, filing a claim is easy and their website is easy to navigate. I'm confident that the filing of any future claims will go just as smoothly as this one.