They take forever to get you your money. I sent them an invoice, from the vet, for what i paid for and they said they need an actual receipt that shows a zero balance, as if a vet would let you leave without paying. it took them about teo weeks for them to tel me they didnt have enough info to process my request and to send the actual receipt and RE SUBMIT my claim. That means I had the process all over. It took 31 days from start for them to review my claim and was paid within 33 days of starting the process. Everytime i submit a claim they send me an email that says "the amount of claims is higher than usual, we may take longer to process yours." Hire.more.people. at this point it seems pertinent to your survival. They also take 2-3 days to respond to your emails.