I’ve had this pet insurance for 13 years and never filed a claim. These past few months our dog has been sick and we’ve finally had to file some claims. We were impressed with the turn around time with the first few but our latest ER hospital visit bill has gone beyond their turn around window for reimbursement and this is very concerning and disappointing. We received an email apologizing for the delay with no other explanation. This is a $2000 bill. With this in mind, I would be wary to recommend them at this point in time. I do hope they come through more quickly with our reimbursements should we continue to need to file.