BAD , BAD, BAD!!! I found out the hard way that this insurance as good as it sounded was a big bull....!!! I have two AMerican bulldogs, and this insurance didn't pay for one of the very costly conditions: mites and then they have this stupid benefit schedule that put a cap for the reimbursement of every single diagnosis, and let me tell you, they are very-very greedy!!! For instance: for a cancer condition they have a cap of $350 that they would reimburse you for, and this diagnosis can cost up to thousand and thousands of dollars! So now I am changing to either Trupanion or Healthy Paws, which dont have a stupid benefit schedule and cost almost the same!!!