I've had some claims and they reimbursed easily after a few weeks. I've had coverage for 2 cats going back 9 years now. Each year there was a slight increase to premium but this past year they are raising my premiums from $55/month for 2 cats (ages 6 and 10) to $73/month. That's a huge increase and I didn't even file any claims last year. I imagine it might be because the one cat is 10 now and it's infeasible to cancel and start insurance with another company for a cat over 10 (some don't cover them at all). I like the peace of mind if something major happened but paying this increased premium really makes me rethink this company.