I have had this policy on my now 20 year old cat for about 6 years now. This is the first year that I have had the occasion to use it. I actually called them to ask about coverage about a recommended procedure, but their representative was very helpful alerting me to the fact that her last visit that was covered. This was a nice surprise.
Recently, my kitty had a number of very serious issues. When I agreed to pay the emergency hospital about $3000 for her weekend treatment, I did so with great fear. I wondered if now I would find out the worst truth about my policy. Thankfully, there were no loopholes and no problems getting paid. They have continued to pay a number of high dollar amount bills.
I am very grateful that I found this company and bought this policy so many years ago.