Let's be clear, they are certainly not friends of animals or owners. Assumed dogs tumor was due to unrelated cosmetic condition (one they don't cover) despite vet stating it was nothing to do with it. They even scoured through pet vet history and found that a previous vet on occasion put a muzzle on our dog (his choice) and then they implied he was also aggressive!!! Avoid at all costs, I wish we had look more at the reviews on the Internet when renewing ( we were with for 4 years).... way mor negstive than positive. Sadly our dog didn't survive, but they don't care.