I opened this policy for my cat Milkshake almost a year ago. She had been to the vet to get shots and annual check ups. I wanted to have this policy on hand incase she ever needed it. I've spent $21.59 a month. I recently submitted a claim because of an ulcer on her eye. The claim took 30 days to be resolved l. It was denied because our vet thinks she has herpes virus. Not proven or tested. I had never gotten reimbursed for any of her medical expenses. Essentially I wasted $300. My advice is to open a savings account for your pet. These policies will find any reason to not help your animal.