The first person I talked to on the phone told me emailing my quote would be the quickest but the next person said uploading through the app is much faster so I went a week without even a confirmation email. It took over a month to get the my quote reviewed and sent over, not to mention another week to receive a check. My dog had to go in for an emergency vet visit and ended up having to be given special food (not covered), an anti-diarrhea medicine (not covered), and they also did not cover the fecal disposal fee at the vet. All of these had to do with what she was being treated for. Bill ended up being $400 ($200 deductible) and they covered less than $100. What an absolute waste. Extremely disappointed and will be canceling my insurance.