This insurance company is a TOTAL fraud. We signed up asking for the best coverage possible. almost a year later, nearly every claim we have submitted has been denied: out of thousands of dollars spent at the vet, they have reimbursed us $8. After speaking to a customer service representative, I was instructed that I needed to sign up for the 'wellness coverage' in order to get vaccinations, and check-ups covered, not just injuries and illness. Apparently, my dog having pancreatitis is not an illness?? I asked the customer service representative what she would do if she was in my situation, she actually said "I would cancel my insurance coverage." I spoke to her supervisor and asked her why I wasn't covered by the coverage I asked for, she actually said "this is the first time you've called us, clearly you must be happy with your coverage." absolutely smoke and mirrors establishment. dont waste your money.