I have 2 pups aged 6 months. Unfortunately I have had to make a number of claims for both pups due to them getting parvo (before all their immunizations)and just recently another claim when the female pup suffered some serious gastric issues.(Thousands of dollars) All claims were paid promptly, the last one approved within 24 hours. When my male pup needed a transfusion they phoned me at home to let me know it was covered and put my mind at ease. I was always skeptical of pet insurance, but this company has totally changed my views.I can't say enough about the peace of mind you have knowing that your pets medical issues will not leave you broke. Their staff are pleasant and helpful. I highly recommend them.