24 Hour Pet Watch is our broker. We are insured with OSPCA and have full coverage with them. We didn't always have the OSPCA plan and when I was calling for something unrelated the customer service agent at 24 hour PetWatch I spoke with reviewed our file and suggested we upgrade to full coverage. He did mention it would be more money but in the long run would be beneficial for our animals and boy, was he fantastic. We didn't know it at the time but he was our angel. We have accrued $6,450 (3 separate $2,000 claims) in claims and received almost every penny back. (minus our 15%). We received a full reimbursement just for having our animals neutered and although the reimbursement process is slow they are great. They even let the vet get the $ once because we were stuck for cash and the dog needed emergency surgery.