I am paying for this insurance and every time i submit a claim they do not cover it despite providing extensive documentation and such. The filing process is a joke they claim that they do not receive documents and yo have to send it several times. I have a full breed CKC dog and i believe that this insurance just wants my money because of that. I have filed several claims and all i've gotten from the insurance was 17$. This is a waste of money because everything falls under a section that is not covered despite claims that that's what they cover. I will definitely not be recommending this insurance to any one i will be doing the opposite and finding myself another one that works to actually cover your pets needs and not just to take your money and leave your pet completely uncover in case of any emergencies which i have had due to the fact that my pup is a very sensitive dog and has various needs hence the reason why i got the insurance in the first place. These people do not make it easy nor comforting that your pet will be covered in case of emergencies. I have had to pay out of pocket for all of my pet emergencies that this insurance claims to cover. BEWARE! they just want your money.