THIS IS A SCAM!I have three cats and pay for level 4 insurance for them. Just recently submitted a claims of ($400.00) for my 1yo cat for neutering. After all the "disallowed" item ie blood test, and annual deductible I got $66.00 back.
I too ask them to give me a list of "customary cost for my area in SF" and was told that they couldn't give me this info.
Will definitely shop for another pet insurer.