Pet Insurance

[ted]

We just up-graded our old Pet Insurance Policy to a new "Unlimited Coverage" plan costing more $$$.
Question is, we received our new "Unlimited" plan and, lo and behold about 3 months after the policy was put in place, the Insurance company w/o our written consent or authorization of any sort added various restrictions not on the brand new Unlimited Coverage plan that we had agreed to.
Is this "insurance un-ethical" and or fraudulent behavior on the Insurance company's part?

Yay or Nay ?

Thanks in Advance!
Ted