The insurer does a disservice to the AKC name. They work really hard at one thing . . . denying your claim. I recently submitted a claim for a visit to the vet resulting from my dog ingesting a foreign object that irritated and lacerated his esophagus/larynx. Luckily he passed the object. However, he was subsequently left with an irritated throat and cough. The claim was denied because the policy does cover "coughs" . . . . Umm, that was the result of the injury, not the symptom! Their response was to ask whether or not I filed a claim for reconsideration as if that is standard operating procedure. As this is the second time I've been forced to jump through multiple hoops, I'm guessing it is. Moreover, after talking with one of their representatives who admitted the error, I learned that had they adequately considered my claim initially it would have been denied because they only cover such injuries it the foreign object was actually removed surgically! My point is their policy is nothing but loop holes. I'm not wasting one more second dealing with these buffoons. If you like beating your head against a concrete and wasting copious amounts of time filing paperwork, then this is the policy for you!!!!