If I could give 3.5 stars I would. The coverage is great but getting reimbursed for claims is a royal pain every time. The waiting period is anywhere from 3 weeks to 6 weeks to get reimbursed so if you had a very expensive bill for your pet and don’t want to front the $ you’ll have to pay interest on your credit card. Also, almost every time I submit they say there’s a delay with my reimbursement and I need to submit additional info because the dates of service are missing. I’ve started circling the dates on my receipts when I submit because it happens so often but even that hasn’t solved the problem.