I'm really upset with this insurance. I have a boxer who has just torn something in his leg as he limps around a lot, it's pretty sad to see him this way as I can tell he is in pain. I called to ask them if by some chance he would be covered. They told me that if it was a torn acl or ccl that I would at least have to have the policy for 12 months before he can be covered. I feel my dog is family and with medical insurance I do not have to wait for anything to be covered. I pay 50$ a month and now have to wait 12 before I can do anything to my boxer? I just don't feel it's fair. I am probably going to cancel this and may have to take a loan out to help "my child" get out of pain. So disappointed.