I have it. They covered some charges when Cali was going thru her bad spell but most of the MVD/Liver shunt charges were denied as genetic. But they have covered a lot of Cali's numerous vet bills so it has definatley been worth it for me. They are pretty slow on processing claims. I think the ones I just sent in for her allergy tests took 4 weeks to get reimbursed. Good luck |