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I just received a check from Heidi's insurance for $3000.00! After all that bashing I've done, I guess they actually pulled through for me. Her total bill was much more but I guess the maximum they will pay per illness/accident is $3000. I just wanted to tell everyone that I guess the insurance was actually a good thing for us even though they didn't cover Chico's hips. I would recomend it to anyone with a puppy or a dog that doesn't allready have a huge list of problems. I hope I didn't cause anybody to cancel their insurance because of my past experience. If I did, sorry. #-o