The company sure seemed great when I signed up. When we rescued a second dog we switched from another insurance company because this one seemed like it might be a better deal. So far, I am disappointed. We never get much back from out claims. My most recent was $888 and after the deductible and things that are not covered I am receiving a refund of less than 10% (and that took 3 1/2 weeks). I sure hope it gets better.