This is the worst insurance company. They do reimburse like they describe on their website. They hunt and hunt and hunt to find a reason to reject a claim (it takes over a month for them to get back to you about the claim).
It is very frustrating as I was very upfront with them about pre-existing conditions my cat had (he has gum disease).
He got sick about 1-1/2 years into the policy, unable to eat, bad stomach. They rejected the medical bills (which were very large) said it was a pre-existing condition.
What a bunch of liars and cheats. I feel stupid for believing all the wonderful reviews on their web site.