I gave them 4 stars because so far I've only had one payable claim that exceeded the annual deductible. So far no complaints. They paid their portion of the claim in a timely manner. They provide you with an EOB form that looks a lot like your health insurance. While it did take longer than the initial estimate, it was only by a few days so I have no complaints. Its hard to rate the speed of claim processing because this review is in 2020 during the Covid pandemic so its probably not a fair time to evaluate this. They do keep in contact and provide you with the expected time to process up front. And if they miss that date they provide an update.