Had it on my Golden retriever when she was a pup. Used it twice and both times after the insurance company got the bills they sent us a letter stating that the dog was no longer covered for those two ailments. Asked our vet about it and she said that was usually the way it worked. So needless to say I didn’t renew it after that and knock on wood she’s been good health wise going on 8 years since I cancelled it. My girl turns 10 this month so I hope it stays that way.