I've had my dog insured since she was 8 weeks old. She's 3 and 1/2 now and I'm finding that although my premiums go up dramatically every year, my coverage went down. I even pay the additional charge for "Wellness" and most of my claims still get denied. The company has said they notified me 4 years ago they were eliminating core coverages...hello, my dog isn't even 4 years old yet? First year was great, every subsequent year sucks even worse than the year before. At $700 per year you would think the service would be better and not "stock" answers like "you were sent a guaranteed letter 4 years ago and it was your responsibility to figure out what core coverages we were dropping". The individual reps aren't at fault, its the core corporate misfits! God forbid I should need the coverage for some real problem in the future, only to be told "that's genetic or a trait of the breed" so that they don't need to cover it. Oy vey!