Fair claim reimbursement. Pays 90% of the claim no matter what the amount and not by some arbitrary, unrealistic schedule. You control your premium cost by choosing your own deductible. Deductibles are per illness/incident and not by calendar year, which tends to be financially beneficial to the pet owner. Has one bad feature - completely excludes consultations and exams which are common and essential. Would rate it '10' if it covered at least 60% - 90% of it.