Just waiting for my contract to end. In an emergency you CAN NOT get your pet seen. My puppy was dying from Parvo and they would not fit him in.They told me to go to a pet ER...why am I paying for this insurance?? I found a vet that is not sales driven...and cheaper than my price with "insurance". Horrible....I have steered multiple friends away from this mistake since I have signed up. Never again.