I have paid my policy on time every month for nearly 2 years. I have never had to use their insurance, until recently my Chow Mix had an ear infection. Keep in mind, I have NEVER placed a claim on my pet. I sent in my claim for his ear infection. It took 2 weeks to review my claim with a result ending in NO COVERAGE?! I am so confused, why wouldn't an ear infection be covered? I understand they don't cover the exam, but what about the treatment? So basically I have had a policy that I have never used and when I attempted to use it, they won't cover something as simple as an ear infection.