I initially bought my insurance through Pet Care which I guess is not Pet Watch. My initial experience with Pet Care was good but ever since it had been Pet Watch it has been absolutely appalling. Every time I deal with this company I want to scream. I have paid them thousands of dollars over the years and getting claims paid not only takes forever but they find millions of reasons not to pay. My dog has been so healthy and I make very few claims but the last one I sent in they are demanding more paper work. I sent in the vets bill plus the claim form and they say they need more itemized paperwork. It's absurd. I wonder if they ever pay anyone anything. Unfortunately my dog is 10 now and even though she's the picture of health it would cost a fortune to insure with another company. NEVER go with this company. They are a big rip off. I've heard Trupanion is great. I will go with them next time.