My dog just turned five and has had insurance since she was 8 weeks old. This last year was the first time I ever made claims and got reimbursed. That has gone smoothly. The reimbursement was fair, albeit it a little slow (weeks). However, my rates keep increasing drastically. I can understand small rate hikes, but when I started it was $17/month and now they want me at $38/month. More than double! I won't be using them for my next puppy, and I might be dropping coverage on my current dog. I've also seen articles that they donate to The Humane Society of the United States which is also a problem for me (they are largely a lobbyist group, don't own any shelters, and give less than 1% of funds to shelters).