Honestly, I have nothing to compare this insurance to. I have only had ASPCA insurance, and selected it because of its affiliation to the Society for the Prevention of Cruelty to Animals, assuming the insurance benefitted the cause and it facilitates taking care of a pet with its health needs. It is what it is and with over 45 exclusions, I can only guess what portion of my claim will be paid. My purebreds have been more expensive than my mixed-breeds and the insurance has probably paid for itself over the years.
The policy also excludes euthanasia fees which I feel is inconsitent with the prevention of cruelty.