After securing this insurance for my dog and paying my monthly premiums for a year, i submitted a claim for a torn cruciate ligament. This claim was denied citing the reason that i had not fulfilled the full 12 month period before filling a claim. I was 19 days short of a full 12 months. I continued to carry the coverage because it appeared the other leg might have the same trouble. After filling a pre certification, she was denied again because of it being a "bi lateral" condition that was previously denied. This coverage has done nothing but take money from my wallet!!! If you are considering this coverage, do not get it! It has been no help at all to me.