I paid them, over the years, over $600 for their insurance, and when my Lady was taken in with a large growth, they just said it was a fatty tumor and didn't need treatment. They didn't even xray |Lady. Six months later I found her dead in the living room, and the vet that did the autopsy said she could've been saved if treatment had started 6 months earlier. All they are after is their insurance money-stay away from this vile organization. I informed them of this, and they didn't compensate me in any way.