My Dog Mr Puggles the pug had breathing issues, the treatment required was expensive. I called the company to check if I was covered, they went through my limits and confirmed how to submit a claim. I believe the agent I spoke to was called Chloe, she was polite and made me feel at ease in this stressful time. My vets submitted the claim direct and did everything for me. I had notification from the insurer to confirm my claim was paid direct within 5 days of them receiving it. This was such a quick and painless service. I would recommend perfect pet insurance to all my friends.