It's my fault really....but they heavily scrutinize claims and take FOREVER to reimburse. I have a 12-year old cat. They will barely insure her for illnesses and I just realized that they barely reimburse for injuries. And I got the insurance mainly for the injuries part because she's an indoor / outdoor cat. Case: I took her to the emergency room and the visit was $680. Not bad. But then I found out that the maximum that I'll EVER get reimbursed for an injury is $300. That's right, you heard it here: The bill could be $2,000, $5,000 and ALL I'll ever get back is $300. And, my yearly fees add up to: $406.68. I'm the fool. But the good news is that I cancelled today!