Have fought with them since we got it.I talk to them My son talk to them it was a $250 deductible they did not say for each time so now we have three outstanding bills that they won't cover they tell me they never get them exactly like somebody already wrote the red tape is a bunch of crap I would not recommend this insurance company to anybody. Not even my dog. Every time we had a claim it was denied for some reason or another I just got on the website not even five minutes ago they offered pet insurance for adoptive animals they knew our dog was adopted we didn't have that information why didn't they tell us . They knew our dog was adopted from the rescue I would run from this insurance company. And talking to the people is like talking to the wall they don't know anything.