I have a small dog that was attacked by another dog which resulted in over $2k in vet bills. The claim was denied because my dog was not neutered. He was not neutered on the advise of my veterinariun as his testicles never dropped and as he was only 2-1/2 lbs the surgery to correct would have been unecessarily traumatic. (Incidently the dog that attacked was neutered and it was over food... nothing else). My veterinarium had to write a letter to the insurance company and they finally reimbursed about $1,500 of the claim, but then put all sorts of restrictions on what I could claim. Then a year later I was hit with a 20% increase. Unfortunately as my dog is now 10 years old I am stuck with this insurance company. I have another dog that is insured with another company for about $20 a month. I really feel like cancelling but will be letting my dog down in the event that something happens.