I had 2 dr visit claims I submitted. My vet faxed them the info and receipts at least 15 pages 10 times! Every time they said they didn't get it finally went through and they send me a denial letter saying it was a prexisting condition and not covered. They only listed 1 claim and there was 2 submitted. The service sucks so bad. At least 45 MINUTE WAIT to talk to anyone. Operates have no clue how to help. I'm so sick of 24 petwatch. I am giving up $200 I should be reimbursed!! Im done with them I don't know about the other services but the insurance isn't worth a dime!!!