I am somewhat lucky to have QuickCare as my dog was just diagnosed with diabetes. there is however a 3,000 lifetime cap. He is 9 and as a small dog should live many years, so the coverage is going to run out. So sorry I did not switch a year ago. Now I have a new rescue dog,and they have changed their policy to ONLY 70% coverage. I will not be using them for the new dog. Before now I would have given them a higher rating as they do cover most everything and pay back is very quick regardless of the amount.