I must say the service I received from AKC is extraordinaire. After submitting the claim I was immediately contacted and informed where my claim was with this company. Within a few weeks the check arrived with a full explanation of benefits. I would encourage other pet owners to get your insurance with this company. Highly professional in all areas of the business. I use to feel the premiums were a bit high, but after Scorpio's surgery I see now this plan is worth having in that I was reimbursed with a full explanation of benefits. My hat goes off to all involved in this process.