I have two Shih Tuz's and one had to have metal plates in his front legs and they claimed it was a hereditary condition age 1 1/2 and then the other one had a scratch on her eye which got infected and almost lost her eye and ASPCA called that hereditary age 1 1/2 so there was never any payments made even for the hospitalization that was required because they said it was boarding costs. I would definitely not buy this insurance and I have canceled after one year with $0 money ever reimbersed.