Not happy that they stopped covering “repetitive” claims if they happen in 18 months. I have a young golden retriever. Yes, we’re in the emergency er for accidental ingestion more than twice in 18 months. But that’s really all we have used the insurance for and now they refuse to pay. So my insurance doesn’t cover routine care and now won’t cover emergencies. Premium has skyrocketed in the 2 years I’ve had the insurance. Claims take on average a whole month to be answered. Not happy at all. Would recommend anyone get any other pet insurance. I paid for the year so I am stuck with pets best