I've had this insurance company for the 2 years I've had my dog and could not be happier with them! They stick to their policy by the T and I love that. You know what's covered and what isn't. They process claims in a 2 weeks avg although they're "time frame" is 30 days. I've submitted claims both years and both years they've paid without any headaches. Their premiums are some of the lowest out there.