I have a pretty good sized pack with 5 cocker spaniels, two cats. The trouble is, once your pet is diagnosed with a disorder, they will no longer cover it when the policy is renewed the following year. This is why I have pet insurance to cover these expenses. The underwriters keep changing the exclusions on the poicies and I have 3. Now they want the senior pets to go on their own policies so they can jack up the rates. I don't think so.... I will be looking for another company after being with them for 5 years!!!