This is the worst pet insurance that I have ever experienced they have a sneaky pre-existing condition clause. They will take your dogs symptoms and use that as the definition of a disease if the dog is diagnosed by your vet . For example if your dog goes to the vet with Limb lameness slow rise seeming painful and gets diagnosed with hypothyroidism in your explanation of benefits letter it will say the definition of hypothyroidism is Lim lameness slow rise and seeming painful . After months of fighting back-and-forth with no return phone calls from the main supervisor it took my vet to call the insurance Company to get me the answer of whether my dogs condition would be covered by them or not . Left 5+ messages left for Jeff the supervisor and. He never returned my message. This company is out to rip you off and their customer service is appaling.