My experience is that with most things it's like pulling teeth to get reimbursed. I filed for a visit to the emergency clinic when my doxie hurt her back. I submitted the notes from the clinic along with the receipts and was told that that was not sufficient. I needed the PROGRESS NOTES from the regular vet (why???). Is it better just to set aside the money each month instead of paying premiums? I should do the math.I've never used any other pet insurance company so I can't compare.