I'm really on the fence with this company. You are not able to get an actual copy of your exact policy and what it covers. All of them are just generic sample policies that don't have much specific information in them. The cost per month is reasonable, but the time it takes to approve claims is just ridiculous. Expect at least a month if you submit everything. If you have them ask for records, it's going to be like 2 or 3 months. They denied my pups first claim, but never even requested records until after it was denied, but before I called to appeal it, so they didn't even do their job, just denied it because they didn't want to put in the effort to contact my vet. My vet repeatedly sent the records, even while I was standing there and they would deny claims saying they didn't get them, but when you would call to appeal it, they miraculously found them every time. I ended up getting all his records sent to me and I uploaded them multiple times and have all the records they would request emailed to me after the visit and upload them myself multiple times so they cannot deny not doing their job anymore. Still takes a month for claims to be approved, but saves the time on appealing it. They denied my pups claim on breathing issues when they found out he had an elongated soft palette because when he was 9 weeks old he had an upper respiratory infection that went away and had no breathing issues after that for months until the soft palette started to grow out. Two completely unrelated conditions, one a cold and one a birth defect. Typical insurance company, deny, deny, deny and hope the people don't do anything about it. Even some of the representatives I have talked to were baffled as to why my claims were denied, that's sad. My friend has nation wide and his claims don't even take a week to be reimbursed. This has prevented me from getting some procedures he needed because I couldn't afford to go without that much money for that long. They supposedly have a program that will pay the vet directly, but not my vet or any I have been to accepts it. If it wasn't such a hassle in the beginning and claims were paid in a reasonable time frame, I would give it a higher score.