We got a shepherd / collie from the Columbia county humane society and with it we got a one month free insurance policy. When we picked up the dog we were told it had kennel cuff ,but about 3 days later it began cuffing and blowing phlegm out its nose and acted very down and lacked energy. I took it to our vet and he gave me antibiotics . Help some but ended up getting ex rays and a state lab test done. More drugs and after 3 weeks of pills he is back to good health. Be fore we started all this I called 24 pet watch and Was told I should take out their full coverage policy and any problems would be covered. Well just received notice that they will not pay for any of this as it was not covered. It cost me 34.00 to find out what kind of RIP OFF company this is, and now they wont call back to allow canceling the policy. I have closed the credit card to stop them from taking more money for canceled policy. DO NOT get caught in their scam !