I can only review based on one claim. I purchased ins wellness and medical/accident for our new puppy and liked that the wellness started immediately as we purchased on Thurs and had vet appt on Sat. Our total bill for vet visist and shots/flea/tick/heart guard was $186 and i was anticipating being reimbursed $121. They approved and paid our claim in less than 2 weeks the $121. No questions asked. Will be submitting another in 2weeks for last puppy visit and again for his neuter and microchipping. Def worth the upgraded wellness for at least the first year for a new puppy if you plan on spay/neutering.