I thought people insurance was bad; these folks will do anything to get out of paying. Took me months to just get denied and for puppy stuff and I had the 90% plus plan....all the minute excuses for not reimbursing me and having a different start date on file as well. I also had to keep resubmitting my claims because they couldn't read the one's I faxed, the Vet invoices that gave details wasn't enough they had to get the Vets "notes", wouldn't cover a preexisting condition for a puppy with Giard. Don't waste your time or money!!!