I have three dogs covered by 24 Pet Watch. Our Scottie became very ill and needed three surgeries at Cornell University Animal Hospital because none of the local vets had the equipment to do the surgeries. As you can imagine, the cost was very high, but she is our sweetheart. The surgeries were partially successful, but she still is having issues. Happy to say she is improving slowly. I submitted my claims and the reps I spoke to were all very helpful. I received my check in a timely manner for 70% of the bills, which is what my policy calls for. I am very happy and will be a customer for life as long as I own dogs. I higly recommend them for pet insurance.