Very friendly and claims are very easy to do either through the app or computer. However benefit payouts are rarely are less then three weeks. Also the wellness portion of their plan is very under covered in areas and also includes a once in a life moments.For example the wellness plan has yearly allotments for spay/neuter and microchipping...... Umm that only happens once. Furthermore it only includes $150 for teeth cleaning which that doesn't even remotely cover a cleaning. Over all I only use them because if their friendly ness and because my employment allows payroll deduction for them.