The actual coverage is fine, but the claim process, the iPhone app, and communication are terrible. The very first claim I submitted took a little over a week which is great, but ever since they’ve taken at least a month. My dog is older so she’s at the vet a little more often, and still every time they feel the need to request all of her records even after I’ve provided them recently. Its a hassle for me and the vet, and unnecessary. Beyond that, the app is terrible. It crashes often and you pretty much have to use the desktop version. I stay with them because pet insurance is not cheap and with my dog being older, it’s hard to switch at this point.