So far, no problems, I have read the above and all I can say is that you really need to buy the premium value with a low deductible and well check. This way most everything is covered 90%. The ONLY thing I have not been reimbursed for is parasites which I believe is ridiculous! we are treating animals and parasites are existent! My dog is 8 mos old, it cost me $56 for the top of the line everything, I think it is well worth it. I have noticed ads that are becoming competitors and offering more things, I think as Pet Insurance progresses in america we will have more options.