This is our first time dealing with pet insurance and are on a limited income. We love our 3yr. old Rottie and want the best care for him, with this insurance, it makes it easier for us to take him to the Vet with unknown conditions to get checked out and treated promptly. He's very healthy but like a child, he gets into trouble outside. We just wish that for the coverage we got for him, the premiums would be cheaper, but have to say, our claims have been paid promptly. We have had the policy since Smokey was a puppy.