Only had two small claims in the year i’ve had this insurance. my premium is paid on time promptly every month. However, claims take way too long to process! Both claims too 2 months to process and reimburse me and both times I had to call them multiple times asking what was the problem. only then they got processed. if I have a bad emergency where it may cost a lot of money my doctor will not wait two months for a payment from me and take care of my dog! so though I can afford a small illness I do not have the credit nor the cash to pay an expensive hospital bill which is why I have bought this insurance. Tho the policy is good, The long process time is unacceptable! Which is a major issue!