If I did not have a husband to support me and with my little income I could not afford to have this insurance with 3 dogs. I have Shih Tzu and they have eye problems, I have had several claims for them all, most of the time they say it is heredity and not covered, I feel that should be changed. I did upgrade there policies and I am hoping that after a year they will pay something. But all in all I feel they are very fair and I have had to use them often for my dogs.