I have two wonderful active hound dogs. Daisy is a American Fox Hound and Hank is a Treeing Walker Coonhood. As you can imagine they spend allot of time running, sniffing and howling for critters. Common ailments are foxtails, allergies and sometimes stomach ailments. Whenever they have had a accident or illness the insurance has covered 80 percent of expenses. Having insurance pays off with your second visit. I would not have a pet without insurance and recommend it to all guardians who want to take good care of their furry friends.