I would give them zero stars if that was an option. This company males it clear that they are in the business of taking your money and doing what they can to not reimburse. They close claims within 2 weeks. After making many complaints I was finally able to speak wth a supervisor so told me that they will only call a veterinarian once and will only email for requested information once. What they would not admit but my veterinarian told me was her expirience with this company and my claims, is that they did not return her calls. The supervisor (rochelle) told me tha claims are closed 8 days after the 1st attempt to contact the veterinarian. If you want your claim reopened, they you have to gather anything they need because they will not make any other attempts. I was lied to by Rochelle who said she would call my veterinarian again. Claims get denied because for the excuse of "healthy pet." Why would I take a healthy dog to the vet?!?! I don't waste money on the wellness plan because unless you get a spay/neuter and a dental in the same year, as well as use every other service that they partially cover under the wellness plan, then you always lose money. So any claims I make are for illness or injuries. They claim dogs are healthy and deny legitimate claims. The only positive thing about this company are that the people who answer the phones are very nice. The supervisor who I spoke with and the people who deal with the claims, make this company not worth wasting your time and money on. I do not recommend this insu company. Several years ago they were much better. They seem to have changed about two years ago and have significantly declined.