My first claim was processed very fast, within days I had a reimbursement. After that, claims took a long time. Only a small percentage of the bill goes to the deductible, so basically my pet has to be sick many times in order to get covered. My plan includes 3-4 vaccines a year and I don’t like the fact that boosters are counted as an extra vaccine. My pet needed 2 vaccines with boosters 2 weeks apart and there went the 4 vaccines covered. Customer service takes a long time to answer the phone and emails. The good thing is the 24/7 vet line which is very convenient and helpful.