Takes too long to respond. When calling, you are left on the phone if you're already a member. Clarification is not easy.

are you kidding? on a $766.89 vet bill I got back a whopping $113! I could have saved the monthly premium and paid for this myself.

I would have gave a 5 but I have not been able to log into my online portal for well over a month and no one seems to be able to fix it and it's VERY inconvenient for me

Took a while to get the claim process going and had a severe backlog of claims with no refunds. However, now that the learning curve submission of my claims is over, refunds seem to be coming quicker without having to resubmit.

Jumps in premiums every year have made it almost unaffordable.

The claim response is very slow. With this claim, the reimbursement checks arrived with the approval letters for the claims...the same day. It seems ridiculous to re-check the information sent by the policy owner when the veterinarian bills are sent to then re-check the statements with the veterinarian's office...

for example my 13 yr old husky just had a tumor removed from his liver a lobectomy ultrasound is what eventually diagnosed the tumor months earlier the ultrasound found nothing now they don't want to pay for the latest ultrasound because I reached my limit. I got the insurance not so much for the early yrs but to ensure I could do the big things when he needed it most. This is why you fail IMHO.

Has improved submitting process, but the monthly fee's have gone up by 25%.

The people are always very helpful when I call in with questions, however I am a little frustrated with the fact the price has doubled since I started with the program. I think you are way over priced for what is offered. I am currently looking for another more affordable carrier.

I got this insurance for hereditary issues. I use it for yearly care