One Plan Pet Insurance

In the beginning I thought One Plan sounded great until my first claim and thereafter. Every claim gets declined first, after a lot of arguing they approve the claim. This is now the 4th time I've claimed for one of my dogs and again decline. My dog was diagnosed with cruciate ligament injury, not torn completely so surgery was not necessary but she was admitted and treated accordingly. Miley is on the hospital plan, so One Plan has made some changes to their policy making it almost impossible to get a claim approved according to the requirements. Firstly there was no surgery required therefore it cannot fall under cruciate ligament repairs (special conditions). If it stated cruciate ligament repairs or treatments then I would've understand but there is a difference between treatment and repair. My dog's knee wasn't physically cut open, she was treated under anesthetic and medication. I'm tired of arguing with people that don't know what they are doing and expect us to pay more but get less benefits. Watch out for One Plan!