We have had repeated problems with this co ,notwithstanding 13 years of continuous and faithful payment of their high premiums . The clever part of their " coverage " is their limitation of available ins . for catastrophic diseases such as cancer ....i. e. to 3,000.00 . Nowadays ,by the time the pet is diagnosed you've spent the 3,000 ,and thereafter it's all on you !!! What's even worse is that whatever happens thereafter ,they'll always claim it's somehow,someway ,related to the tumor...even if a series of tests is run to explore the possibility of an additional disease,condition,or conditions. Go ...as we have with our younger dogs ....with VPI !!! Much broader coverage ,lower premiums ,and much fairer evaluation of claims . Be prepared to get a denial letter from a "Jeanne Feather " ,and then try to reach Ms. "Feather ",who probably doesn't exist...or ,if she does ,is more insulated than the President of the U.S. !!!!!