As with all insurance plans, people or animal. The first thing they do is deny your claim. That way they get rid of 90% of claims as most people accept it.
Fax insurance co a letter stating that you want your perfectly good claim paid right away, and if they refuse to pay the claim they owe you, you will sue them in your local small Claims Court. Because you paid for the policy where you live, the case will be done at your local Small Claims Court and the Insurance Co will be required to travel for the court date.
Usually your phone will ring right away, and the Claim Agent will tell you your check is in the mail.
We did this to VPI and they call first thing 8am in the morning, said they will mail the check, even though they had been sending us letters denying the claim. Once we told them we would sue them in our Small Claims Court, they decided to pay the claim, because they knew it was a claim and they would loose in court.
If they don't arrive at the court, the judge will review your case, and mostly likely you will win. If they do come to fight you in court, state your case with all your records, proof of monthly payments to your insurance plan, insurance plan, etc.
Then if the insurance company does not pay you, even though you won, you can call the Small Claims Court to file a Rit of Execution, where you will ask the court what to file, to get the money removed from their bank account and given to you. It may be different in different states, so call your Local Small Claims Court.