I have carried insurance on this dog since she was born. At 6 she had back spasms and was diagnosed with IVDD. I submitted a $300 claim and about $180 was covered. The following year the IVDD worsened and she had to be put down. After incurring $1000 in medical bills to have this diagnosed the claim was denied due to "chronic" condition. This had flared up once, went away and came back with a vengeance. After 8 years of paying premiums they paid out a total of $180.00. Not worth it.