Our beloved Lab puppy had a Coccidia infection which caused an intussusception. That was in the waiting period so they didn't pay anything for treatment - that's ok.After that, she needed two more surgeries and a lot of medication due to 2 intussusceptions (in other parts of her intestant, and not connected to Coccidia).
They declined to pay anything because they say it's all related to the Coccidia infection and so in the waiting period and so - Zero. We asked them for a review what they did through their "third-part vet". This vet stated the same, which we knew before as these vets are biased (they are paid by the insurance company). We offered a review by a "real" third-party vet at our expense which they declined.
They are extremly customer-unfriendly (not responding to emails, not providing details, and so on). They never wanted to pay anything right from the beginning.
We are almost broke now. The worst insurance company I ever had to deal with (and I work in the insurance business, btw). Sad but true.