Have had this insurance approx. 9 months. Have submitted ONE claim for an office visit when the dog was throwing up. That was 4 months ago. Have gotten no reimbursement only requests for "doctors records and notes." This information was sent three times once directly by the doctor, twice from myself. They ask you to fax it and their claim each time is that they "never received the fax" despite me showing them the confirmation sheets. Adking for cancellation and refund. Save your money.