The last two times that I have filed a claim, it has taken forever to get re- embursed any money. They said that they were waiting on info from vet when in fact they had it. I had to call my vet and add them on to get straight. Last time, they at first said the same thing, then decided that they did not need any more info. They had it all. ( X-rays, diagnosis) It took a month to get money back and we filed the claims on- line. Considering dropping them. Of course now we have met the deductible so would be shooting myself in the foot to do so. Very disappointed.