This company find all the excuses to not pay out. Our 2 year old Boston terrier had hot spot on his tail for which he was treated a few weeks ago. We’ve been with this company for last 20+ months or so. So we file a claim and they paid big fat $0 sighting that we did not get the policy prior to treatment. For a condition that developed only a few weeks ago?? And there were other occasions prior to this where they wouldn’t pay a cent. I got so fed up with them not paying for anything I cancelled our coverage. Definitely not worth $70+ a month premium. Save your money!! Put your money into your savings account or buy another (better) insurance.