I will admit I was very impressed with this insurance company when my Lab needed surgery. Now when she is going to be needing physical therapy, they are telling she doesn't have that coverage. I'm very disappointed that no one ever mentioned plan A or plan B on top of the insurance you already have, which I would have paid out as well, and the person on the phone wasn't very pleasant either. I'm always telling people I meet how great this insurance was with my Lab, but now I'm not too sure. I don't receive newsletters about upgrades to my original insurance, so how would one know they need to upgrade? I'm very disappointed.