We're building an independent pet insurance guide at VeterinaryClinic.com and want real veterinary perspectives. We'd love your insight on any of the following: • What are your biggest pain points with insurance claims? Which providers reimburse fastest vs. slowest? • Have you worked with providers that pay the clinic directly? Does that change your recommendation? • Your top 1–3 recommended providers — and any you'd steer owners away from? • What's the most common coverage surprise owners encounter? • How do providers handle breed-specific/hereditary conditions — any stand out as fair or unfair? • Thoughts on standalone wellness subscriptions vs. traditional insurance — complementary or confusing for owners? Have you noticed any difference in preventive care compliance? Happy to credit you by name or keep responses anonymous — your choice. Thank you for your time.