takes forever to get cash back and when my dog had a virous and diaria they would not oay for the meds she needed. said it didn't cover ear infections. But the meds where for her back end not front end. Same problem with insurance companys have.Some one that doesn't know whats going on. We will give people some of the cash and they will be happy! No wonder why people get lawers.Sorry about spelling ,i'm to upset!