Gee that's too bad about the denials. I have had 24 PetWatch for many years. I have had very good response to my dogs needs through cancers and heart disease and urinary tract problems and surgeries. We have had dogs sent flying to ER's for injuries and other horrible things. 24 PetWatch has always been there for us. We did have one episode that we thought should be covered, but with an adopted dog, an elderly one at that it was not. I am a great proponent for pet health insurance. Setting aside money is a nice thought but in today's world, often not very practical for your pets care. I would suggest not throwing the baby out with the bath water with this. Search out some other companies and make comparisons. There is an insurance company out there for you and your pets. JUST, keep them insured.