The coverage is really good, and I don't have issues with payment, once the claims are finally approved. The submission process has become more and more difficult over time. We frequently get notices that they don't have enough information for the claim, but the information has just not been read completely. Having multiple pets on the same invoice seems to be very difficult to interpret, and we're told there's not proof of payment. So far everything has been approved eventually, but the turn around time is very long, because we usually have to resubmit the same paperwork multiple times.