DON'y buy this. They refuse to call vet as is claimed is one of their steps to clarify coverage on claim issues. Months of refusal.ALL health and claim records very deatailed care were submitted. Yet they claim a vet letter is needed. Vet has no idea what they want nor do I. But they wqon't tell him. They just refuse to pay claim cAt was never never sick before a stye in eye almost two years that I owned him. How could there be any kind of or existing condition if in fact thatts what they aim to use foor denial. It just showed up.