I've had this insurance for 3 1/2 years when I go an 8 weeek old puppy and never had a problem except for the time it takes to process a payment for a claim. If they don't owe you, it is processed in 3-5 days, but if they need to pay, get ready to wait at least a month or more??? Next issue I had was I adopted a 4 1/2 year old Sire with perfect health, hips etc and he lacerated his foot. Well pets pets wanted 12 months of medical records on him... He had never been to the vet for any health or injuries as he is in perfect health, and the breeder gives all vaccine injections. I sent them his AKC health, hips etc paper work and they wanted to close my claim because they wanted 12 months of vet history for a lacerated foot. Still waiting on that claim to be processed even after calling them.. They are quick to take your payment, but slow or null at wanting to pay out. U was happy with them, but not so.much anymore.