I have had the same pet insurance for the last 4 years supporting my our Chocolate Lab and German Shepherd. My Chocolate Lab is now 7.5 years old and has had hip and joint issues. He has had to have surgery on both legs, specifically the knees. To my surprise, Pets Best has a "Bilateral" section to where if there is an issue on one leg, they cover for insurance. If there was another issue one the other side leg, no matter how long in between occurances, insurance does not cover it due to the Bilateral clause. I do not agree with this and I think there should be room for negotiation to have the bilateral issues covered.