I have had them for a year. the first time i made a claim it all went well. they covered what they said they would and payment was quick. today they lost me as a customer. i took my pet in for an annual visit on may 31 thinking that benefits are per calendar year. well i get my claim back and they hardly covered anything. turns out they go off of the start date of your policy. my policy starts early june. i was just a 2 weeks or less shy of the annual mark. i asked if they would make an exception since it was an honest mistake. they would not even budge, they did not care. so i closed my account. that is horrible customer service and to not even be willing to work with your customers is just disgusting.