They seem to issue payout amount as they promise based on the plan you choose… but I just absolutely cannot deal with the processing times. Each claim I’ve submitted has taken over a month just for them to approve and then another week or so to get the payment. At that point we are not only paying our vet bill up front but now having to accrue interest on our credit card. In the meantime they are still taking our monthly payment no problem. It’s so disappointing. Every review for them says the same, why are they not fixing their ONE main issue by hiring more staff? By continuing on this path they are losing loyal customers left and right. The upper management decisions here seem poor. Hire more staff for faster claim processing and you could potentially be a 5 star company!!!!!