Pet insurance is a scam. For the amount of need for the insurance and the little amount that actually gets covered, prices should be way cheaper. We spend way more money on the monthly fee than we ever get reimbursed. It’s ridiculous that flea/tick and heart worm medication only gets covered once a year when it’s a medication that’s needed year round for dogs. For the amount that we pay in every month we should get more medication coverage than what is offered. The only thing we have gotten good reimbursement on is our dogs spay surgery which only happens once. I will be canceling my policy.