I had them for 2 months and cancelled. They have per-codntion limits that are ridicuously low. So you think you are buying "15K policy", but the cap any given condition pay-out at a few hundred dollars--so if your dog breaks his hip and neesd a hip replacement that costs 8K--well good luck, you may get %1500 covered since it is the limit. I went with PetPlan in the end and so lucky I changed insurance companies before my dog's accident. PetPlan paid for everything at 80%-90% charges, which ended up being thousands of dollars.