The claim process was not the problem the decision to deny my claim was. We received our puppy on July 18, 2020. She was born on April 30, 2020. The person we got her from had her vaccinations up to that point administered by her vet. The vet also did a blood test and recommended we have an acid bile test when we got her home. At no time was a diagnosis made. There still has not been a diagnosis. We have a new puppy and have insurance to make sure any of her needs are taken care of. It is very disappointing that our claim was denied. I don’t believe it was a fair decision. We will be cancelling our policy since it was absolutely useless.