My pet was adopted at age 2, I have had this insurance since, starting in 2005. I have submitted about 8 to 10 claims and I have not had any arguments or issues regarding coverage on any of them. An example of a claim is one I put in for around $1,000 I got back $600.00. I had to pay the $250.00 deductible, then they cover 80% (based on my plan), I pay $28.00 a month. I have increased my coverage as she has gotten older. They don't cover nail clippings, grooming or heartworm and flea.