We had issues with our dog that seemed to be covered but were not when you look into the fine print. Fine, not the issue here. The issue is the absolute lack of correspondence, disappointing customer service, coupled with the extremely high deductible - with no payout. I am utterly confused by the high ratings of this insurance company. This was why we chose them in the first place. Having brought up the name to our vet, they told us that a lot of patients have issues with them. I feel slightly swindled! Will be going with a different provider.