Insured my cat 4 years ago. Luckily he has been healthy until this year when he was diagnosed in March with diabetes. It's only the beginning of August and they say he has met the maximum allowance - they too directed me to read the fine print in the policy. My Vet just submitted bills for approximately $230 and I was only reimbursed $0.86. Yes eighty-six cents! I just upgraded to the highest level policy at $62/month. Not sure this will be any better however he is too old now for any other carrier to insure.