After an initial bad experience with my first claim (confusion over the fact that I see several vets due to my rural location), we finally cleared things up and it has been smooth sailing ever since. It is SO easy to file a claim, and they are very quick to come to a decision and send a check. I've had very little issue with what they have decided to cover and what they have not. I have a holistic vet and so many of my expenses are supplements and not medicine - they won't cover that, and that is not surprising. I wish my own health insurance was this easy to deal with, and provided good coverage. Very good customer service which is hard to find these days.