As soon as you start to use the insurance they will reduce their co-pay. so although they claim that the high premiums you pay will cover your pet for $5000. per condition, per year for 80%, they reduce your coverage to 50%. At the time of the first change to our coverage our pet was 5 years old and had just reached $5000.00 for ALL claims. They increase your premiums and increase your deductible. Simply put, they do not honour your original contract. They also take longer to pay claims then what they advertise.