This was a company that has changed 2-3 owners since I signed with them in 1998. The rates progressed every year and ended being $80 for 2 cats, per month. This was more than MY health insurance.
After the 2nd claim denial on my Gabrielle (who was in renal failure), I decided that $720 per year would be best spent going into a personal account for them.
I would recommend Pets Best Insurance... recently found them as a partner link to my Aetna PPO site, and they have lived up to the hyoe and expectations.
My older cat developed a serious issue, I paid $2400 to take care of it, and was reimbursed by them within a month.
I am going to rate this company as POOR, due to high fees and low payouts. This was not a pre-existing condition.