I hesitate to give more stars than 3 only because it seemed to take a long time to get a simple claim processed and paid. If a claim is simple and uncomplicated, it should go through automatically and payment out the door in a few weeks. Mine took more time to process for flea and tick chewable tablets. Very frustrating. If the claim is a complicated hospitalization, I can see it taking more time. Perhaps your claims area should be separated to have a group of people only process simple claims and another group process complicated claims. It may go faster that way and you may have happier customers.