I have had this insurance for my dog harper since he was a pup. at the time they had 3 levels, one for accident, 2 for accident & illness, and 3 accident, illness, and wellness I think. I wasn't sure on the details for 3, as I just wanted accident and illness.
I have had to use this insurance for accidents and illness. 2 out of the 4 years I've had my dog. I think in general I am in the red, where the insurance has saved me much money when I figure premiums, deductible vs vet expenses. I am glad that I have it though, because my other dog who just had to go to the ER set me back 2200, and with him I had been saving money each month as a 'just in case'. Well I haven't saved that much... so it was tough. If I had insurance maybe it wouldn't have been that bad.
The claim process is easy and the web form is simple to fill out. There can be a bit of a wait to get the results, but for dot fights, sickness (vomitting), and sickness (tick born), the level 2 insurance has helped.