I have to say that I would never use this pet insurance again, even if it was FREE! When I made a claim to be reimbursed for my 15-year-old dog's euthanasia, it was a complete disaster. First, I faxed the claim and when I called 3 weeks later, I was informed that they never received it.I then mailed it and 2 weeks later, I was told they still hadn't received it. Two weeks later, I was informed that they finally received it. It has now been 3 weeks, and I am STILL awaiting my refund. I am disgusted with the service from this company. The only plus is that they have extremely polite employees- probably because they know how lousy the company is!