We had 24 Hour coverage for our Yorkie since he was 4 months old. Unfortunately he developed breathing problems along the way. At first, his visits were covered. For a couple of years, we did not get a copy of the coverage. Our Yorkie had a very bad episode and he was in ER and hospitalized for a couple of days - a total of $2000 which was covered at 90%. Two years later, we were told to take him to a specialist for evaluation because his breathing was so poor. He went through two surgeries and then he died. Our 2500 claim was denied because he had already been treated for breathing issues before the current policy went int effect!!!???? They reimbursed us $100 for his cremation. We then received the post mortem and found out that his death was caused by renal failure due to a chronic infection that we were not aware of. The jury is still out.