For the amount of money that you pay for this and the amount that you get in return, it is slowly starting to be like I don't even have insurance at all. MOst of the claims being sent in they "cannot pay for" and that would be the only reason why I have insurance on the dog in the first place. Tried getting a second dog on the policy and of course, that dog costs almost 2X the amount of my original dog, even though, they are the same breed, came from the same breeder, and in fact from the same mother and father. Currently looking for another pet insurance, and I would suggest that you would do the same.