Take your money and just put it into a banking account. I had $5,000 in claims on two cats and they paid out $100. Yup, $100 because they could not argue that one of the cats died and they pay $100 for cremation. Their customer service was rude, left a message for a supervisor to call and not return call. This place sounds like a scam and will go out of my way to let others know not to use them.