Can't say enough how glad I am that we switched from PetWatch 24 (which is a company under QBE Insurance)! My 2.5 year old lab, Athena just underwent a hock injury reconstruction and both the claims staff and customer service departments were totally outstanding! They even called the next day to be sure I got my questions answered. Bill is around $7000 after all is said and done and they reimbursed us 80% within a week of all claims submitted!!! Submitting claims couldn't be any easier---their website is very user friendly and links all your vets. They have a phone app as well! In addition they send us emails on pet care and a quarterly magazine. Just cannot say enough good stuff about this company!