It sometimes takes up to a month to get reimbursed, I constantly have issues with the app working to the point that it’s unusable, & the yearly increase costs seem way too much - a 30% increase in a year, pushing me to lower coverage & question the company. I would’ve switched insurance companies but my dog developed a condition after starting with them that I knew other companies wouldn’t cover because it’d be pre-existing. Starting costs are slightly below others (though unsure of yearly increases) & they’ve been nice when I’ve had to call which is why my rating isn’t lower.