I have reserved comments for some time as your reimbursements have been very slow in coming in. Finally after weeks of processing my payments came in, much lower than expected. Since I have had your policy I have never claimed anything on my dog, Josh, as I felt normal visits and even a couple er visits were my responsibility under normal wellness issues. But in April he became suddenly seriously ill and was near death. He was diagnosed with a rare autoimmune disorder called idiopathic pyrogranulomatous lymphadenitis that unfortunately the only cure is long term medication, bloodwork etc. Unfortunately during the first few weeks of treatment he had several setbacks that required er visits and further testing that were necessary to save him. These were not simply wellness claims as you explained to me but necessary procedures that were performed as an emergency response to diagnose what was causing the setbacks and to determine the treatment adjustments needed. At this time they have proved successful, but long term prognosis is still open. These services were not routine but simply urgently required at the time to reverse serious setbacks. I realize this has been very expensive to your business. And trust me I dread having to use your services any more than necessary, as there are no winners here. However in closing I strongly disagree to your characterization that the denied claims were based on routine wellness. They were in fact necessary procedures to treat emergency conditions at the time.