I have 4 dogs, all insured and this allows me to recover some of my money when something happens or a procedure needs to be done. I have submitted several claims this year and have had no problems with getting them paid. They have excellent customer service and the claims are easy to submit. My only issue would be that the average cost from which they calculate the rates to reimburse you from seem to be a bit low. My vet is not expensive and they pay less than what he charges.