Having pet insurance is the best thing I could have ever done; I have had my pet insured since I got her at age 12 weeks she is now three years of age. As soon as I send in a claim I get an email letting me know they have received it and are processing it. Payment is handled very efficiently and in a timely manner. Seeing how other friends have had major vet bills when their pet is really sick I thank God I have my pet covered. I have recommended this insurance to several friends in hopes that they will follow through and cover their pet.