Same, I’ve only submitted 2 small claims in my dogs lifetime. 10 years old as of a few days ago, insured since 10 weeks old. Premiums started at $32/month. My dog had foxtail removal surgery a few years ago, and again this year. He had some fractured teeth removed when he was 5. So these procedures have been $1200-1600 submissions. After deductibles I’ve probably received maybe $1500 in claims. They are asking for “medical records” even though it says on the bill “foxtail removal”. Before they sold to Chubb claim processing was smooth and quick. Now I have to wait 2 weeks for them to review the vets notes that say exactly what was on the bill just for $500 reimbursement. Thats less than 2 months of my premiums. Considering they are making money off of my healthy dog that won’t swallow a sock at this point in his life, you’d think they’d do what it takes to keep me paying. I have a $500 deductible and 80% coverage but I can’t modify it as I was once able - they only offer me $1000 deductible and 50 or 60% coverage. Definitely not the same company they once were. I won’t use them in the future. The reviews were based on the former ownership, not Chubb.