I had to get a new credit card and after ONE MONTH they cancelled my policy for non-payment. I had an email address on file I don't use frequently. Other than that they made no reasonable means to get in touch with me about it. No phone call or mailings. It was all pretty secretive. I found out that I was dropped after filing a claim for $1400. Thanks Healthy Paws. You guys are the scum of the earth.