I am thankful that my employer Scripps Health has this insurance available and that I signed for the services. I got it since I first got my dog and even when I have not use it for illnesses or accidents, it gives me peace of mind to know that it is available. I use it mainly for routine exams, labs, medications and shots. The claim process is alwasy fast and easy to follow. The customer services is alwasy great. Checks always arrive fairly quick. Highly recommended insurance.