I have had this insurance for a couple of years with no complaints. I just had a couple minor claims. My dog had a couple ear infections and a hot spot. Then my dog was diagnosed with Cushings and I was so glad to have the insurance, so I thought. They only paid the Cushings for 2 months. My policy renewed in June and now the Cushings is preexisting even though I have had the insurance since June 2008 and my dog was diagnosed with the Cushings in April 2010. Once your policy renews they no longer cover illnesses from the previous year. The only reason I got the insurance was because I was afraid I wouldn't be able to afford vet bills and now the insurance is useless. I had to cancel since I need the money to pay for his medicine. Do your research and get a company that covers illnesses for life and not just for 2 months!!!