Not at all impressed. I had 2 claims in one year. One was a basic visit and the other was an emergency visit. Both claims were immediately "completed" which means closed because they felt there wasn't enough medical information. It's up to me to chase down all the support and go back to them and beg them to reopen the claims now. They said they needed my dog's information going back FOUR years before considering whether to reimburse me for her emergency visit. Obviously they are looking for an excuse to deny the claim (find some way to say the issue was pre-existing) or they just want to wear me down so I won't follow up again. Their approach is to "complete" (close) the claim until you present it again and again and again, while they continue to deny, deny, deny. Even if they end up reimbursing me eventually, I can honestly say that they made sure the experience was dreadful and burdensome. It has definitely not been good.