I had the insurance for one month and it was useless. My cat had diarrhea so I took him to the vet. First Pet Partners says they can't help me, my plan doesn't cover worms. I say we don't know what's causing the diarrhea, we don't know if it's worms. Then I get a denial email saying that I wasn't approved because the onset was in the 5 day waiting period of starting the insurance. Which is a lie, the onset date was a week after the waiting period, which I put on the claims form. This insurance was useless, nothing was covered and the general wellness plan is an expensive additional cost. I'm still fighting them to get coverage because they are making up reasons not to reimburse me.