I so appreciate this insurance! They are by far the best. Buddy has had issues over the timeframe that I have had this insurance and I have never had one issue with them. They have paid just like they say they will. Buddy had a hugh surgery TPLO (torn ACl) on his back leg which this company paid 80 percent. I thought that maybe they would not re-sign us as it is very possible that Buddy could possibly need another surgery. But they did without questioning. They are the best. I recommend them to everyone I know including our Vet.