I have Wishbone pet insurance, and they are very slow to response for either. Everyone has been very nice, but my claim just got denied for 6 months after my dog ruptured her CCL. What is frustrating is she had the zoomies on 5/3/2025 and that is when she tore her CCL. My waiting period is 5/9/2025. Am I just out of luck and 5 days is the difference between 3k out of pocket?