Not only did they take almost 3 months to approve my claim for my dogs cancer removal, which at first they denied since they didnt get a response from our veterinarian even though both vets responded with the appropriate information neccessary to complete to my claim. Then it took multiple phone calls with their customer service for anything to get done. I will give it to their customer service agents, they were respectful and helpful. The behind the scenes people working at this company, terrible. The 2 stars i gave them was generous. It should be 1 star. Dont expect anything to get done quickly with this company and expect to go through hell to get your money back. This is why its called insurance for instances like this.