SCAM. DO NOT BUY. I adopted my dog back in May 2019. I decided to get her insurance because she is pretty old. When I brought her to the vet, they told me she had periodontal disease. I thought, "Thank god I bought that insurance!" I submitted my claim, and after over 8 weeks of it being in the "waiting on vet info" stage, I contacted them to see what the problem was. They told me they were waiting on previous vet history from her and asked if she ever went to another vet. I told them no because I had just adopted her. They said okay, we'll make that note and continue processing the claim! They never once contacted me about this. I had to go out of my own way to contact them and ask what the issue was. First strike! Well, now it's January 2nd 2020. I received an email from them saying my claim was processed and how much I was to be refunded. Awesome! Just kidding, they sent me an additional email right after that telling me that I was not going to be refunded for anything because it was "a pre-existing condition." Well, I adopted her and the vets she saw previously didn't see that. I had NO idea she had periodontal disease - how could I?! I went to MY vet, and they told me. So why should I not be refunded just because I didn't know it was a pre-existing condition when I adopted her because she had no vet history? Absolutely RIDICULOUS. A SCAM! Do not buy this. I spent over $900 on the insurance last year, and to not be refunded my $500 bill? S-C-A-M. I am a hardworking 24 yo making a little more than minimum wage and paying for everything on my own. For them to take $900 from to "help" me and then not give me a refund? DISGUSTING. DESPICABLE. DO NOT BUY THIS INSURANCE. Thank you.