I never insured any other pet before this dog, so I have had one insured dog for 10 years. He was just diagnosed with Cushing's disease and Nationwide has an $800.00 annual cap on this disease. We spent more than that just getting to the diagnoses. Now there is zero coverage for any medication or actual treatment of this disease. I am devastated to say the least. If I manage his disease well, he has the potential for many good years ahead. But I've never had a dog with a chronic condition before and here I am in that very position with pet insurance for the first time and I WON'T BE REIMBURSED FOR MOST OF HIS TREATMENT/NEEDS! The company likes to tout that the benefits renew each calendar year but the amount of coverage for his illness is actually less than what the plan will cost me for the year, much less the deductible so I am not better off with the insurance unless he gets sick or injured with something different. The whole reason I insured him in the first place was so I wouldn't have to be paying out of pocket for really big expenses if they happened, and now that is exactly what I'm stuck doing. Of course he now has a pre-existing condition and I am stuck with a company that has completely let us down.