They do not quality anything for a claim. They are quick to deny a claim and are horrible at being an insurance company. We pay extra for the `100% reimbursement and they deny everything. Apparently if your dog ever sneeze and then needed a test done about a stomach issue they claim it was preexisting because of the sneeze. They are quick to close your case and even quicker to deny you reimbursement. They tend to disregard your asking why and they refuse to pay out. I would avoid this company for they are not worth it the cost.