Signing up was easy, but don't expect to be able to ever make any changes to your policy to increase coverage. From the materials provided, It was unclear what was considered exam fees and I did not sign up for it. When I tried to change that, I was told that I could not add it on and the only way to do so would be to cancel my policy and apply for a new one. At that point, any previous claims would be considered a pre-existing condition, which makes it pretty impractical. At that point, my pet's only claim was 'gastrointestinal infection' without having identified any cause. I was told that any future incidents with similar symptoms, so any instances of gastointestinal infection (vomitting, not eating, bloody stool) would be deemed a preexisting condition. So if I cancel and my pet has vomitting, it's not covered because that condition is preexisting. Had another claim for a dog bite. That one met my deductible, $1000, and then expenses were reimbursed at 90%, as per my policy. I took this to mean that 90% of covered expenses over $1000 would be reimbursed. When I got the explanation of benefits, it turns out that only 90% of my oiut of pocket costs were applied toward my deductible. Rather than spending $1000, I had to spent ~$1112 to meet my deductible (90% of $1112 is ~$1000), and then I was reimbursed at 90%. That's not how deductibles work. They need to update the policy verbiage to clarify that only 90% of costs count toward your deductible (or whatever % coverage your policy has). When my current policy is up I will be switching to an accident only policy. The fact that they have this policy is not readily promoted on their website, but that's what I was after anyway when I signed up.