I have this insurance for both my dogs. They were referred by the shelter that I adopted them at. I have been waiting 80 days for a small simple claim to be paid. All paperwork was submitted properly and no issues according to them when I call, just taking a long time because the company is in transition. Now reading these reviews I can see that the company is in permanent transition. I am cancelling, but not stopping there. Writing the States Attorneys office and BBB and am demanding that all my premiums be returned. I will file a fraud suit against them as well. They are preying on animal lovers who want to protect their pets. Collecting our money but giving nothing in return. Might as well just throw your money out the window. I am not one to just sit back and be taken advantage of. Everyone on the internet will hear about this company, including the shelters that use them.