I am the sad owner of this pet insurance policy. My Collie had a gastric attack that required emergency vet care. He was diagnosed with Pancreatitis and deathly ill. Total cost was $2,400. I was confident that his pet insurance would take care of 90% of the bill. WHAT A JOKE! I submitted the claim and did not hear for nine weeks. I had to call customer service and although I had submitted the billing statement from the vet, they wanted more info from the vet. Never contacted me, and so I waited and waited and waited. NEXT JOKE- They reinbursed 1,571.00 because that was the anual limit! They tell you about lifetime limits but never about annual limits. WHAT A RIP-OFF!!! Now I can look elsewhere, but this condition will not be covered.PEOPLE, THEY ONLY COVER A PERCENT OF EACH MEDICAL CHARGE. BUYER BEWARE!!! I have another provider-24 PetWatch- on my Sheltie and they are the best. Fast turnaround, refund exactly what I expect.