This was a waste of three years of premiums. Difficult to get through on the phone lines, evasive responses to deal with claims, refusals to pay out anything on claims, and then slapping 'temporary exclusion conditions' on the file. They want you to produce all kinds of paperwork, but they won't provide you with their own. I'm going back to my last insurer Trupanion who was easy to deal with and honest about their coverage and in communicating with customers. On top of that Pets Plus Us tries to use scare tactics to keep you from cancelling and going to another provider. Wish I had known about Pet Insurance Review before switching three years ago. Stay away from Pets Plus Us.