After paying for this insurance for 1 solid year, totaling over $500. I called to get a quote for coverage on my sick dog and they told me i needed to provide a Vet routine check up from at least 1 year prior to signing up! I said, "Excuse me??? Wouldn't you ask for that prior to taking my money???" They said, "Oh, it's in our contract mam." I talked to my vet and he said he's never heard of such a thing and they should reimburse me and I'm looking into it. Seriously, why take my money??? These people are crooks. DO NOT SIGN UP WITH THEM!!!