In short this insurance is misleading especially if your like me and adopted your pet from a shelter or rescue agency.
They accepted my application and billed me monthly for almost a year before I submitted my first claim. My claim was denied because they stated they never received his veterinary records going back 12 months. When I applied for his insurance and was accepted I conveyed to them that I don't have this information due to my dog was a stray. They are now refusing to refund the money that I paid them in that time period. To say I was mislead is an understatement. I paid monthly, they accepted my payment and in return my dog was never really insured. I am truly disheartened by this experience and would not recommend this insurance to anyone at all.