My dog was insured with 24 Pet Watch for the last 13 years. My dog suffered from enlarged heart. This was discovered when he was around 9years old. He required MRI, SCAN and multiple vet visits with a cardiologist, all of which were covered 100%. As soon as the vet submitted the claims, a week to two later the check was in the mail.Their customer service is extremely professional and their service second to none. When I submitted the final clain when he had to be Euthanized, three weeks later I was reimbursed. I am getting this insurance again with my new dog.