This is the worst pet health insurance I have ever "TRIED" to use. They took 30 days to review an annual vacanations claim and denied it because they do not cover such things. They don't request your pet's medical records at the start of the new policy, they wait until something happens which further delays the claim. We purchased their upgraded policy and for it to not cover wellness and vacanations is absurd! I HIGHLY RECOMMEND you to look at your grandma's home remedies for your pet before subscribing to this company's health insurance for your pet, THEY SUCK!!!!!!!!