I cannot recommend this company. Each time I had a claim, I received what I feel is a small portion back. After I would have a claim, the following year they would increase my insurance unilaterally saying it is like for a cost of living increase in your area. In addition, they would unilaterally reduce the percentage I would be given back based on any previous claim. If you animal was ill previously, my rates would go up and my percentage would decrease, not fair.