My golden lab tore her cruciate ligament when she was bowled over and into the fence by our other dog. She needed surgery to fix it. Petcare covered this but then told us she was maxed out on her illness coverage for her lifetime. We disagreed since this was clearly an accident from rough play from the other dogs doing. We had to send all Vet paperwork to them twice and they still refused to classify it as an accident. After about 8 years of using them as our pet insurer we cancelled because of this.