Although I could have submitted several other claims for my pet, I chose to carry the expense myself. Wanting only to use the insurance incase of an emergency. Well when I needed it the most it failed me. I don't know why I was surprised it is only acting like any other insurance company. Taking your money and giving you excuses in return. I will continue covering my pet with insurance at the end of the year but not with this company. No wonder my vets office had never heard of this company. I will go with their recommendation next time. I'm sure this won't be posted on your website but it should be.