As a technician I’ve noticed a lot of clients have mixed reviews. Most insurance companies only cover certain things, and most do require you to put the money up front. If your pet is already diagnosed with an illness, they usually will not accept you. If you have a dog like a dachshund (or any pet with a known disease) the insurance will be skyrocket because they’re prone to back injury. I would definitely make sure you do lots of research because they don’t mention these things! Good luck! 🩷