Been with Pet Protect for 12 years with our two cats. Claims process usually dealt with direct with vets, but communication along the way is good. Lost one of our babies to lymphoma and all claims were paid out with no questions. Just taken out a policy for our new kitten, fairly easy process, although when I had a question, customer services can't be reached directly. Post covid you have to hope your chat with a bot reaches them and they call you back, which they did.