I have had this insurance for my Labrador Retriever for about 10 months. I have submitted claims on two occasions. This company does not acknowledge the receipt of the claim. I had to go online after not hearing from them. They had denied the claim because I did not submit a full history on the first claim. I resubmitted it with a full history and did finally receive some payment. On the second claim the same thing happened. After a couple of months I went online to see that they had denied the claim because I did not submit an updated full history again. I resubmitted and same thing. Went online and found it was denied because I did not send a copy of the bill with the resubmission even though I had sent it the first time. I have resubmitted the claim a third time and am waiting to see if anything is paid. I will Never use this insurance company again!!