The claims process is very fast and efficient. Once I faxed the claim form in, we had our reimbursement check in less than 2 weeks. It wasn't paid at 100% but we knew that when we signed up. We're very happy to have insurance for Roxy! We didn't have insurance for our other 2 dogs and they needed very expensive surgeries which we paid at 100% with no reimbursement. Thank you VPI for giving us peace of mind!