I was told by my breeder that she signed me up for 30 days of free insurance through the AKC and when I turned in my substantial claim, they turned my claim down because not only did my breeder have to sign me up for the insurance, and did, it had to be "activated by me". I received an email and thought it was a copy with all the names on it. I have never had to sign up AND then have to "activate" it. Who would have guessed I had to "activate" my free insurance after signing up for it? In my opinion, they are just looking for any way to not pay. I would not recommend this insurance, clearly, they look for reasons not to pay. I'm sure there are plenty of other insurance companies with better ethics.