OK, so, granted, I chose Trupanion and they have reimbursed us a lot of money for our dog that suffers sever allergies. And that has been good. They have a direct deposit for claims and claims are handled very quickly. Another good thing about them. We have 2 dogs, one is young the other not. Our biggest gripe is They ONLY cover dental extractions, so the anesthesia and cleanings are always out of pocket, though cleanings prevent extractions, so go figure. Customer Service is cheerful as long as everything goes quickly and smoothly. Also, often the reps talk at you. Like a car salesman, they don't really want to slow down and hear the customer. connecting to a client is good, but if the rep does not sympathize, that;s fine, just don't make the client feel like they're wasting your time. As soon as a problem arises, they become curt and rush you off the phone. not cool.