Had to take our puppy to vet with upset stomach. He had eaten part of a dead rabbit and had the runs. He had one shot of antibiotic and it cleared up well with no after effects. Small claim after we paid the vet excess. They did pay out quickly but they now want almost double the premium to renew ( a lot of money ) Will go elsewhere as it is not an ongoing condition. Feel like I am being ripped off to get their money back.