I've had this insurance for over 5 years...been paying them hundreds of dollars a year for all that time. They are good in terms of responding to claims, but in my case I paid far more for the insurance than I got back from them (thank God my dog has been healthy). Suddenly they change underwriters and my premiums change from $51 per month to $138 per month. So all these years I've been paying for coverage, now when my dog is older and I really need the coverage, they make the premiums unaffordable. Save your money, put some away each month, and pay for your vet bills yourself. I'd be in a much better position now if I'd done that instead of giving them money for all these years.