Cancelled my insurance for my three dogs. Absolutely the worst. Find ANY and all excuses not to pay claims. They concluded that everything was pre-existing condition. Even though my last dog had not a word in his file from a shelter about itching or allergies OR the heart murmur. My private vet discovered it after the insurance was already in place and active. Oh. Apparently, these things couldn't have developed that quickly, so they are pre-existing conditions. The worst rip off. Plus, they have NO phone agents. Every time I called to resolve an issue, I was on hold for an hour. Literally an hour. Stay away!! I am going with Trupanion instead.