My Molly, a rescued puppy mill Maltese, has been insured by this company for about 3 years. They would not cover the allergy problem due to it being pre-existing. However, they have covered everything else I had made claims on in an expeditious manner. They have lowered my rates based on the amount of total claims for the year being lower than expected. They cover many things that other companies didn't. I will continue to use them as long as I have a pet.