If allowed, I would have given you at least six stars. The ease in filing a claim is refreshing as compared to other companies I had used previously. I fully expected a long wait for settlement given the complexity of Jack's treatment. What surprised me was that about two weeks after submitting the claim, I received an email letting me know that my claim was being processed and that sometimes it takes longer than others so please be patient. I have never gotten that kind of message before. It was a positive way of letting me know that things were moving forward and to hang in. Very smart move. It was less than four weeks from submission to receipt of the decision made on my claim. It was clear, easy to understand, and provided the comfort of knowing that I had a payment on its way. You folks know how to treat patients and their owners.