I have had this service for my dog since she was a puppy. The smaller claims that I have submitted have been paid with no issues, but I have had a larger one outstanding for a while and this company is doing EVERYTHING they can to try to delay and deny paying the claim, needing useless documentation that have ZERO to do with her current claim. My dog has had no other health issues until now and that is why I have kept the insurance on her, for when she does need it. It is extremely disappointing that they are making pet owners who have paid premiums for a long time jump through hoops like this.