For the 08/19/22 claim. I have never been through more of a headache, stress inducing situation with a insurance company on something. I had to contact the company MULTIPLE times just to talk about it. No one ever reached out to me. I kept getting the 30-90 day turn around time saying, email. It took multiple fax, emails, and calls from primary vet and the ER clinic, the bank statements showing when I adopted my puppy. So much Bologna to get a ER visit claim covered. 08/19/22 claim finally finalized 03/03/23! Been out of pocket with over 1000$ fighting this. Yet still had to pay monthly, no reach out, nothing from the company.