I have been disappointed with this insurance. I used to have ASPCA and it was very good but very expensive. When I got my second dog he was covered by the shelter with a free three month "Shelter Care" plan issued by 24 hr Pet Watch. I received the pitch to continue and upgrade the plan and took it and had the same experience as another above reviewer with the company saying that my dog's eye condition was pre-existing as he had it at the shelter when I adopted him. So the information about the upgrade and continuance of the shelter insurance was misleading I felt. I am surprised animal shelters are offering this and, if they do they should warn people that anything the dog has under that first policy will not be covered. Also, they take forever to respond to claims.