Very slow to process claims. You submit your claim, with all the necessary medical records and bills as part of the claim and you get an automated email that they will contact your vet for records. 3 days later you get another automated email that they tried "multiple times" to contact your vet and couldn't get the necessary records. You send the medical records again to their medical records email. You call them and wait an hour to confirm they have the records they need. They say yes. 3 days later they close the claim stating that they can't get the medical records they need even though you submitted them with the claim and again through email. They did cover some of my claims but you have to fight them every step of the way.