I've insured my 2 cats for over 3 years now, and in that time they've more than doubled my rates. In the beginning their emails would state it takes 1-2 days once they receive a claim to do the paperwork. Then somewhere along the line that became 10-15 days. Now I see it's up to 15-30 days. Totally unacceptable. Next it'll be 3 months. The rates go sky high and service gets worse.