I have been with this company since I got my dog as a puppy and he just turned 10. They are very good at paying for what they cover and are quick at handling claims and also very nice and professional. The only thing I didn't like was a year or two ago, after a claim, they almost doubled my monthly rate saying it was based on the average costs of basset hounds in my area. I interpreted this to mean my basset hound, since it was right after a claim - and that didn't seem right after 7 plus years of paying into the program. I would have given them a 10 if not for this.