I had one minor problem, which was an ear infection not being covered because it was a "pre-existing condition"...even though it was cured the first time. I was assured that this could be rectified with documentation from my vet, but getting this done from the vet's office is proving to be difficult. At any rate, dogs do get recurring infections!
The other issue was the massive increase after one year of service. 28%! I can understand that increases will happen annually, but at this rate, my premium will be over $200 within a few years!
The last problem I have with them is the deductible. It is not annual, but per incident. That is a bit much, as well, if the dog has to go to the vet more than once in a year.
I am currently negotiating with another company with unlimited benefits, annual deductibles, 10%copay, and they also cover hip displasia! They also assure me that rate increases average around 9% annually, which is much better to swallow!