Claims take forever to process and I still don't know how they decided that my newly adopted shelter dog with ZERO medical history on file somehow had allergies as a pre-existing condition when I took her to the vet for the first time and the note said she had some redness on her paw. But they use anything to deny claims. Oh yeah, they also denied her first vet visit because I didn't send a year's worth of medical records when I had only had the dog for a month and sent all her ASPCA adoption records. Not the best company and again, they will try anything to deny claims. You will have to call repeatedly and stay on them to get the benefits you pay for.