My dog's claim was denied on the basis it was a pre-existing condition. My vet sent a letter clarifying that it was not and now I have to go through an appeals process. It's been 8 weeks and the appeal hasn't even been looked at yet. Also, unrelated claims that have been submitted for my dog after this have been lumped in with the appeal claim. I've called several times and the representatives have made apologies and stated they emailed the claims adjusters to no avail. They've also made excuses that they recently moved offices and that is another reason for the delay. I may have to resort to litigation. They are simply not paying the claim.