My dog was diagnosed with epilepsy and I incurred over $3,000 in Neurology Veterinary bills. They paid 80% of that amount as promised. However about two months later, I received a letter stating that they were dropping my coverage in future to pay only 50% of any subsequent claims. The letter also stated that they would revisit this in six months time. I had no further claims and they finally reinstated the 80% coverage ... Four years later. So beware, they will pay the claim but penalize you for making it.