My three-year-old cat, Roxie, was suddenly unable to keep food down and obviously in considerable discomfort. After three visits to the Veterinary hospital and various tests, including blood and X-ray, nothing definitive could be found, and a prescription diet was recommended (all of which Roxie turned up her nose at) along with broad-spectrum medication for GI inflammation and anti-nausea pills (giving Roxie meds should require wearing a kevlar vest and a fencing mask). Our local animal doctors and their staff are truly wonderful, but poor Roxie became more anxious and miserable with each visit. I submitted claim after claim within a period of three weeks and finally called Pets+Us to find out if I might have reached a submission limit within a time range. I was assured that all legitimate claims are accepted. I'd also like to point out that all staff I've spoken with at any time are incredibly helpful, courteous, knowledgeable, and express concern for your sick pet. Their questions reflect the fact that they care about animals (the staff I've spoken with have their own pets). Submissions of these most recent claims were processed and reimbursed within a matter of days, following speedy notification. I'm particularly grateful for my policy choice, which offers 90% reimbursement ($100 yearly deductible), given Roxie's accident and injury incidents during her first two years. (She's less rambunctious now that she's a millennial.) I would unhesitatingly recommend Pets+Us for stress-free insurance. Who needs added anxiety when there's already more than enough with a suffering animal? My continuing thanks to everyone at Pets+Us.