Make sure your dog is in perfect health before buying this insurance. I mean nothing wrong. I have been with them for 3 months and after the first week had an emergency and had to take my teacup Yorkie to the emergency room. She was acting lethargic and not herself. They ran every test under the son and everything came back normal. The only test that could not be ran was a fecal because she is very very picky about what she eats and would not eat anything they gave her. I submitted my claim and it took 2 months for them to tell me it would be denied. They got hung up on the fact that for my vet the doctor and hospital are at two different locations and did not know how to pick up a phone and call or email their customer for clarification. In the end, my claim was denied because of a pre-existing issue (parasites) could not be ruled out. I then told that my dog would have to be parasites free for 12 months so basically every claim I have could be denied for the next year. Well then I would be paying for a policy I can't use. The dog was bought from the pet shop and came with parasites and in addition parasites are a normal ailment for dogs. I understand the whole pre-existing ailment clause but to have to wait 12 months for it to pass is a cop out and I rather pay out of pocket than pay another cent to a cop out policy. I will be taking my business elsewhere and before using them make sure your pet is in perfect health.