I have had this insurance for years for 4 of my dogs. My dog was hospitalized 3 seperate times, they paid the 1st bill. When hospitalized the 2nd time they said I was at the maximum for the SAME incident and won't pay anymore. It is NOT the same incident! I am requesting them to look that it is NOT the same thing. Diag. procedure they are not paying either. I pay over $89 per month for 1 policy and this is what I get? I am currently looking into other insurance. My renewal is up with them shortly. My other pups are healthy - Close to $300 per month on insurance -- to have them do this?! I lost my sweet guy and I am crushed = Like I really need this hassle on top of my grief when clearly anyone WITHOUT a medical mind can see an MRI of the brain does not have a thing to do with pneumonia yet they are claiming the same incident - SERIOUSLY -- I can't believe years in the the Wellness Plan Coverage (premium cost) and they pull this. I would NOT recommend this to an enemy.