Hum it seems we are all having the same problems with these bozoos ! Without a doubt the worst insurance plan I have ever seen. We have had to submit claims several times for each occurance as they loose everything. When they pay a claim it is a small fraction of the invoiced cost! Paperwork is impossible ! Would never recomend this product to anyone ! Avoid Petshealth Care Plan at all costs. At a time when good businesses are going out of business this is one that needs to go! I wish I would have read these comments before we got involved with this outfit ! Unbelievable !!!!!!