I adopted a dog and was given a gift of insurance, when I called the following day to active his microchip, I bought the full coverage insurance luckily.... Or so I had thought. After two days of having my dog I took him to the vet because his face and gums were pale and he was barely moving. Come to find out he needs a blood transfusion and to be on medication for an unknown amount of time. I called prior to filling out the claim paperwork and was told this would be covered. GREAT! I thought. So now three months later I recieve a letter in the mail stating they do not cover this. I called to speak to someone because I had been told this would be covered. The answer I was given was we only cover basic things like parvo, intestinal problems, mange, respitory issues, and allergies. So for me this was worthless and a waste of money.