They had been great until they decided to try and classify a mass my dog had as an "Allergy" and refused to cover a biopsy on it (which the biopsy also proved it was not an allergy, simply a mass that had ruptured that she had then licked while I was at work, causing an inflammatory response and infection which required steriods and antibiotics). Even after I had a letter from the veterinarian saying it was indeed not an allergy. I am a CVT as well and am appalled that they refuse to cover this claim when it is a mass she had to get removed not due to an allergy of any kind. It's unforunate as I will not be renewing my 6 dogs that I currently have insured under them.