Do not select this company. They used to be a decent pet insurance company but have failed to measure up anymore. My dog was diagnosed with a condition of his gums which is akin to an autoimmune immune disease and my vet recommended an emergency dental cleaning to remove the plaque and bacteria from his gums as it was causing ulcers on his gums. I then have to brush his teeth daily, use dental wipes and dental chews. They refused to cover the vet required dental cleaning as their policy is not to pay for cleanings no matter what the condition. They are across the board on this. This is going to be a lifelong condition for him so no cure. They don’t care about the condition except it’s their policy. Also they pay less when they cover a bill, apply the reimbursement level and then subtract the deductible. You get less if a reimbursement from them. They used to be a decent company but not any more. I got a new puppy and decided this was not the pet insurance I wanted for her. So disappointed in this company. They have gone downhill.