Absolutely the WORST customer service I have ever encountered. Paid reliably and when I finally have a claim, this company falls short and keeps denying my claim under the presumption 2 different Veterinarians lied on my dogs medical records when stating my dog was 100% healthy before my contract was instated. COMPLETE AND UTTER SCAM!!! I have been fighting with this company for almost 2 months now to get my money that is rightfully owed to me. Complete joke!! Save your money and find a different company.