My pet got out and was gone for 3 hours the day before I noticed her acting strange and hanging her head low. I took her into the emergency the next day and she was found to have a C2-3 herniated disc. She was in excruciating pain. They advised that she have surgery ASAP or she should be euthanized. It would be inhumane to keep her alive in such pain. The cost would be close to $4,000. I used all of my savings to save her life. Now she is doing great. I couldn't imaging losing her. I was divorced 2 years ago and was devastated as my ex had been cheating. Mona, my beagle, got me through the pain. I have full custody of our 2 little girls. So I am a single mom, low income, no car, with several medical problems, just scraping by. I don't understand why my claim was denied. I am so saddened by this. I am rating a 5 because the response or denial of my claim was quick. I just don't understand why I was denied.