We waited for 2 months for them to process our claim of $299, called numerous time, and in the end the claim was denied because they couldn't reach the vet office which is absolute garbage. We go thru this every. single. time. we submit a claim and I finally had enough. It's easier and less stressful for me and my husband to just pay out of pocket so we have started a small savings account where we put money into it each month so that when/if we have an unexpected vet trip we have the money. We also got the CareCredit credit which most vets take. Going thru this claims process is so drawn out and ridiculous that I get the feeling they do it on purpose so you get frustrated and just quit trying to get the claim paid. In any case, we finally just canceled our policy. It really isn't worth it. I don't recommend this pet insurance at all.