Not impressed in the least. I feel like I am being penalized for rescuing a dog. After spending over $900.00 for the policy and thousands at the vet for things not covered as they are considered pre-existing (though they say they are covered on the list) then to pay over $1,065.00 for spaying and tooth extractions and then only get reimbursed $318.00 or so I am wondering why I would keep paying for this policy? The extractions were denied as I could not prove the dog I adopted in November had her teeth cleaned in the past 13 months. How many rescued/adopted can? It seems to me that everything going forward would be considered pre-existing and be denied. Then to not even have the spaying covered seems crazy. They said they paid the wellness amount? You try to do right by rescuing and adopt, don't shop and get punnished. On a positive note I would say their processing time is acceptable.