I have a french bulldog 9 months old and have had good experience with claims and coverage. They did want to exclude nausea and vomiting for a yr due to one incident he had had prior to coverage, but my vet and I appealed it and they reversed the exclusion. Most claims reviewed quickly, but did have one that fell thru the cracks at their end, but this was rectified with a call from me. I did lots of research and this Co provides the most comprehensive coverage and they have integrity, are NOT a rip off, they are good. I recommend them highly. I have 10K coverage a yr for $49 a month, and have already had claims paid that will cover ALL my premiums for all of 2015.