I have only had this insurance for 2 months, so my opinion may change depending on the upcoming weeks ahead and if they will stand by our insurance contract. I have a 5 month puppy and pay around $70 each month with all the add ons. So far they haven’t paid for items that were in the agreement and it has almost been a month. Perhaps it takes a long time to process these items, but it should be straightforward. I am hopeful that this will be processed soon and that they will reimburse me soon. I was under the impression that they pay out very quickly, but beware, they do not.