Our sweet 7 month old baby english bulldog had to have cryotherapy on all 4 eyelids for distichia at UC Davis. Overall we submitted a claim for $1500....$1000 of which was paid. They covered everything they said they would!!!! We are delighted with the speed that our claim was handled (faxed on a Thursday and I got an email on Saturday saying a check was in the mail). With a breed with soooooo many issues I rest easy knowing we chose a company that is true to it's word and allows us to give our Ruby the best care possible.