I have a chihuahua that had cushings now addisons disease. I was told that having a dose of prednisone at some point in time most likely caused this nightmare. My nightmare not only is a sick pet I adore, but an insurance policy that has a cap on how much they will pay yearly on an illness. I am paying close to $50.00 a month and when I reach the capped amount, everything is out of my pocket. I was asked to rate this policy, and I want to be honest on how I feel about it. I feel caps should not apply on any service that is offered because, as you all no, only a portion of the bill is paid to begin with, with a deductable, no less. I have no choice to keep it with my pet being in the vet office every 25 days for treatment. It is probably a good policy if your don't have a cronically ill pet. No real deal here and some other companies are worse, from what I hear, so, in my oppinion it could be the best of the worst.