I have had this insurance for 11 years and have not sent any claims until last year and only a few. After being insured with you her whole life when she is treated for one thing, she is no longer insured for that one ailment. Being insured all these years with you has prevented me from having real insurance coverage on my pet now when I need it. So as long as I paid the premium with no claims you take my money but when I need the coverage you drop her from the coverage she needs. Now at her age it is hard to find another insurance but I will. I sure wish I had been insured with another company all these past years.