1) Lost claims 2 times (same claims) that were sent certified and the certified card indicated " delivered to front desk" I had to send 3rd time also certified, then denied claims "duplicate claim" 2) Denied claim "old injury not covered" The claim was for a NEW injury to "Front Left Leg" NOT to the rear legs that had TPLO surgery and not covered. I had to appeal the claim, circled "FRONT LEFT LEG" and as of yesterday - 2 months later - was finally approved. 30 Leave messages to have a return call on the above issues - never received a return call. WORST Pet insurance ever. I now have a very good pet insurance.