I've had their insurance for my do, and have to keep him inside (long story). It costs $400-500 per year. Last year, they reimbursed about $25 out of $300 in expenses. So far, this year, the have refused to pay anything out of approx $500. They say things like no diagnosis, when my vet has written on the form and it is all spelled out on the bill. Or that serious infections "aren't covered" - I have been paying for wellness checks, and they insist those aren't the covered kind, but then they won't cover them under the sickness part of the policy either. What a joke, they are worse than my very expensive health ins that seems to cover nothing, either.