Disappointed that the coverage does not cover behavioral issues which were diagnosed before the policy was in place. The behavioral issues developed from trauma that occurred before she was adopted which should have been taken into consideration. The submissions were only for those expenses covered after the policy was in place. The appointment with the veterinarian should have been covered under the office visit coverage. It took way too long for the determination of coverage. I did appreciate the email apologizing for the delay, but even that was sent late. Insurance policies are difficult to understand and one has to submit claims to find out what is or isn't covered. The rating may improve over time as the insurance coverage was purchased to cover Summer's health needs over the long term.