The only reason I am sticking with this plan is because my dog is older and other insurance will not cover her due to pre-existing. However, this plan is absolutely terrible. First of all, they take 45+ days to process claims which is absolutely crazy meanwhile, your balance on the credit card is accruing interests. The way the explanation of benefits is set up is very confusing, I've work in Health Insurance for almost 20 years and for an average person, it is very hard to follow. They take forever to disburse payment. I had a claim processed on 12/4, here is a week later (ACH) still no deposit on my account.