I cannot say enough good things about this company. An annual deductible (as opposed to a per-incident deductible). Fantastic reimbursement plans (up to 90%). A comprehensive pre-existing condition review up front, so you know exactly what (if anything - and for our two dogs, we had NONE) pre-existing conditions might be excluded. Talk about peace of mind. Reimbursement is sent out in days upon receipt of the claim form. I could go on and on. I hope they are in business forever - simply fantastic.