I have struggled with communicating with this company several times and have had claims denied because they are initially reviewed by a computer and it kicked the claim before a human being saw it. I have submitted more than $1,000 dollars in claims at this point and have just gotten back a payment for the first time today. I find it curious that I was asked to write a review the same day I got money but trust me I have not forgotten the hard time that I have had with them in the past and honestly if I could I would go back in time and chose a different company because now I have a chronically ill dog and it would be considered a preexisting condition should I leave so I am stuck.