This was our first time submitting a claim and we were very pleased with the response. The people we spoke to were caring and knowledgeable and the claim was processed within 3 weeks. There was a little hiccup with Canadian/U.S. funds, but we were delighted to have this cleared up and receive payment for the difference within a few days. All in all we couldn't ask for better service. You guys really live up to your brochure!