This insurance company is crap. I bought their insurance for 3 years, but do not notice any problem until I filed claims.My cat got an infection on her claw and seeing doctors from Sep 2011 to Jan 2012. Her insurance policy was renewed in November 2011. They only covered the charges from Sept 2011 to November 2011, and for the fees after the plan renewal date, they did not cover. They said it has to be 180 days after the plan effective date if this is a preexisting condition even I was a continuing customer. I dont understand this whole shit because my cat's infection had not been cured until this Jan. This is a continuing condition not preexisting!!!!! They said it doesnt matter if you are continuing customer and the condition is continuing.
What they mean is that your pet should be sick at the beginning of the effective date and be sure that your pet is cured before the end date. If your pet get sick at the end of the effective date, not including the fee just before the effective date, the rest of the fees after that you will have to pay it yourself. I got zero from all the medical expenses. What a joke to buy such insurance.
Think about it clearly, why you want to buy an insurance? You want to kind of purchase a protection. They are not going to give any kind of protection to your pet.
I have already filed a complaint to the California Department of Insurance. This company is playing words with their customers and cheating their customers money.