I'm not smashed with their claims review process. This company seems to be looking for any excuse to get you to pay another $250 per-incident deductible, even when treatment for an illness is shown by a vet's letter to be ongoing. They also will not cover laser treatment for my cat's skin lesions, even though we have photographic proof the treatment has cleared up the lesions. They say it's "alternative" therapy. However, acupuncture isn't. Huh?? Laser therapy is state-of-the-art Western medicine, is it not? It's very cost-effective. Yet they won't cover it. I'm looking for a new company, and will only spend the one year with this one.