I have had this insurance since 2008 and used to recommend this insurance to everyone I knew with pets. Within the past couple of years, they have continually raised rates, I am now paying over 3 times what I did when I signed up. They have also doubled the deductible and added a bunch of exclusions. Of course they dont tell you about the new exclusions. You get to find out after the claim was denied. Once your pet is diagnosed with something they pay for it a couple of times and then make it a chronic condition, which they dont cover. My dog got diabetes and they stopped paying for it after 3 months. Now I have to pay for all the insulin, doctor visits, and bloodwork myself. Then he got arthritis, only covered the expensive medicine once. Also, my daughters dog tore its ACL. Claim was denied because they dont cover ACL injuries anymore. I canceled my coverage and telling everyone else I know to also.