We are so sad to report that the first time needing your help you threw us to the curb. You delayed the claim by requesting the same paperwork over, and over. Josh got involved, and it got worse. He was requesting paperwork from a vet, he had, and a vet we left. Than finely I called, and told you I was going to sue you for fraud, and then Chris got the claim processed. We are going after all past premiums paid to you by us for the other 3 dogs. We have been advised that we are in title to a full refund. My husbands attorney is for the LA Dodgers. We paid you over $131.00 a month, and all you owed was $120.00 very sad what you did to us.