I am disheartened with the length of time that it takes for a claim to be processed. I also feel that a claim is likely to be approved while the deductible is still needed to be met, but once coverage should kick in and the deductible paid for, the claims are denied. We had several claims last year and follow up appointments with a specialist that was denied even though we were trying to figure out what was wrong with our puppy and was not a pre-condition. We purchased the policy when she was around 8 weeks old so besides genetic conditions, what could have been a pre-condition to get the tests necessary to help our puppy. Now I am stuck with a carrier that takes months to “review” a file, never contacts me for further dialog or explanation and simply denies claims. I cannot move insurance carriers because now all that She has endured will be deemed a pre-existing condition since no one offers a retro date on pet policies. All in all I am disgusted and ashamed I failed my dog with this coverage. I should have listened more to the reviews.