The first and only time I submitted a claim for my dogs sickness. I was given the royal runaround. I submitted the proper form along with my vets paper work on what the problem was and the treatment. After three weeks I had not heard from them so I called. They claimed they did not get the paper work. I submitted it again and they said the vet did not send the correct paper work. I called my vet and had them call the insurance company. I still not heard, so I called again and they sent me a letter saying my claim was denied as the vet did not send the right paperwork. At this point I gave up. I am not going to pay for a policy that is phoney as well as the company.