Terrible pet insurance
Initially, great, cheap, and very good at submitting and executing claims. However, they will scrutinise large or ongoing health issues to look for loopholes or minor, nondescript previous visits, and use this as an excuse to claim pre-existing conditions before the initial cooling-off period. (We had a skin allergy issue with our dog.) Next, I had to fight them on 3 separate occasions, all the way, using their own policy, as they tried not to pay out claims and instead returned a payment without admitting fault. The last BIGGEST issue is that, because pet insurance is not regulated, they will increase repayments at every renewal, citing rising vet costs as justification, but this is false, as that is not the case at veterinary clinics. This is done to get you to cancel as your dog ages and more health issues potentially appear. At the end of my dog's life, I was paying $315 per month for an 80% return on claims with a $100 excess. I was trapped by the time I wanted to switch; it wasn't possible. He passed at 12 years and 8 months and was insured with them his whole life.