I would never use this company again every time I have made a claim surprisingly they have not received the claim form I have been with them for the past 6 years and made 5 claims and over a month later on (each claim) be told not received. Even though I have waited and posted the filled in paperwork myself and posted first class and twice were by recorded delivery. My vet as emailed them the forms too and they tell lies that did not receive and also did not receive the faxes. It is terrible enough experience to deal with your injured or poorly pet but then you have to deal with the nightmare of dealing with (Paws and Claws) and it truly is a nightmare believe me lies and endless phone calls. I would warn anyone to stay away from this company and spend your money with a company like pet plan more expensive but no problems at all with my other dog and cat very very helpful. Plus my polices with petplan do not more than double every year. Me personally I would not give them 1 star if the opinion was available. Please all stay away