I bought this insurance for my Bulldog. He had issues a couple weeks after the wait period where he needed to have his soft pallet worked on. They took longer than the supposive up to 15 days... they took about 20 days. They also denied him stating that the vet said "She wondered if he had this issue" which was never mentioned to me. Also they tried telling me that Asparted (Spelling) Pnemonia is a symptom of Enlongated Soft Pallet. There is no medical documents proving this. Dogs can get this from eating to fast (bulldogs!!) and drinking to quickly. It was just a very bad experience! I cant believe that there are this many good review for them.