The staff worked well with the animal hospital, and between them, I hardly had to fill out any forms. The claims process was very fast, and I received payment way faster than I imagined. Also, I thought they would nit-pick the hospital bill, but they paid their part in full without argument! Highly recommend, and I'm doing so to all my friends and family. The only reason for a 9 rating is that my dog had a cyst over a year ago, which went away on its own, but it is now listed as a pre-existing condition. I felt that was petty.