My dog had an accident at the groomers. I believe she was dropped. I took her to the vet they did x-rays and put her on meds for a couple weeks. She healed on her own. The only reason I had them take x-rays was because i thought i had "pet insurance." My vet had to fax them a million times the info they wanted. Finally a month later they said they received all the info they needed. I had to wait another month for "processing" Now they have denied my claims saying my dog has Intervertebral Disc Disease and is not covered per exclusion #17. My dog was never diagnosed that. She did hurt her back from an ACCIDENT. Now my vet has to appeal this denied claim. I am sure it will take another month for them to 'process" and I am sure they will find an excuse not to pay.So this will have been going on for 3 months. If for some miracle i do get reimbursed i will recant this review for the most part. But it is not looking good. I pay 40$ a month for this insurance. If i would have known that they find any excuse not to reimburse you i would have NEVER signed up w/ them.