I've had Persecure for my dogs since we first brought them home, hoping we'd never have to use it. Thankfully for the times that we have (bouts of diarhea, vomitting episodes) they have been fast and efficient paying our claims. Our vet was even able to submit our claim directly for us. In the last few years (knock on wood) our girls have been healthy, but persecure even reimbursed us for part of the routine dental cleanings. Would highly recommend.