It is a scam. I purchased the Pet coverage for a couch I just purchased in February 2025 and recently filed a claim for urine soiling from my dog from a single incident. turns out it has to be "cumulative" damage...so they didn't cover it! I am LIVID. Whats the point of having this coverage if all they do is find ways to decline the claims. Now I have a dog pee couch and their cleaner sucks and did nothing. I can see now that all of their reviews are bad...how are they still in business
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