The service you received is horrible. And not to mention the staff was rude. I was Hung up on numerous times and when i finally Got someone to speak with, it took over 2 hours to get them on the phone and they brushed me off. After spending over $600 for my dog and expecting to receive at least 90% of my money back as stated in my agreement, i only Got back $19. What a total joke! This has been the most horrible experience in my life and I will Be suing and looking for another insurance company. If you want to be ripped off and have your money stolen and lied to, this is the best company for you. Otherwise, I suggest You look elsewhere to actually have your needs met.