my pet had hair loss, we tested him for cushings 5-6 years ago, NEGATIVE was diagnosed having alopecia. Took him in for dental cleaning blood work, numbers came back high further tests were needed, something was going on. Tests confirmed POSITIVE for cushings disease - they declined all tests because 5-6 years he was tested for the possiblity of, which was negative 100%. I appealed like many, and declined again. I submitted for meds and blood test for cushings making sure levels were good, DECLINED - disease diagnosed September 2015, first time meds. DISGUSTED. I canceled, the policy, rather use the money for his meds rather then the stress of wondering if the insurance company will accept or decline. NOT WORTH IT. I thought was getting a solid peace of mind for my pet, it didn’t happen. Years of paying for a service and having 3 increases in 5 years. NOT worth it folks.