It is shocking to me that the Department of Insurance is allowing this company to bind insurance policies. I had 3 pets insured with them and all 24Petwatch did was collect my premiums. But, they rejected all of my first claims for my injured dog. I had to wait for customer service over an hour and then was treated so rudely. Please please do NOT give this "Insurance" company any of your hard earned money. There are much better & reputable companies out there that actually care about their clients and pets.