The rates keep going up year after year by quite a bit. I'm paying almost $100/mo for two dogs. This time I submit a claim for the first time in 2 years and was told it would take 30-40 days to process. I submit it December 1, 2022, did online chat, then called and finally February 23, 2023 they send me an email saying what was approved. It was an amount that I was expecting, so that was fine. I just don't understand the poor customer service. No one could help me with more information other than just "Escalating" and "you'll get a call within 2 business days". Well no one ever called me. Ever. Will not be renewing.