When we enrolled our other dog Reba we were never told about a 60 day waiting period for cruciate insurance coverage! God forbid Allie would have to endure this surgery . "Unlikely " Also , Allie is more expensive than Reba ! Why ? I was going to have our 3rd dog insured with you . However, there was no positive reason why we should ! I find that a bit ridiculous. Why ? Why , woukd you not want all my animals insured with you ? No multi animal discount ! Hmmmm. I am now thinking twice about why I went with you . I look forward to your reply as to why I woukd recommend your services . Colleen Pearson