I paid into the policy for two years for my dog and the first time I put in a claim they claimed that they didn't receive my claim form eventhough when I faxed it I got confirmation of it going through. When I tried to get in touch with them I left message after message and no one called me back. When I moved to Canada from the States I need to switch policies and was told someone would call me to discuss it and it's already been over a month and no one has called. I'm shopping around for another insurance company.