I had to submit a claim for my dog after one year of chasing our tails trying to figure out why she was having recurring urinary tract infections. I agreed to have a vaginoscopy performed (cost was over $600.00) which uncovered the origin of all of her problems. Even better, I submitted all of my invoices for the past year and everything was covered! I was very happy with the incredibly fast processing time, I know for a fact that some other pet insurance companies have a 10 week processing time for claims, but I had cheque in-hand about a week after sending in my paperwork. Very impressed!