I've had mixed experience with PetPartners over the years (I got it for my dog when he was 8 months old and he just died at 10 years). Whenever I had a claim they paid it promptly, and it was easy to file online since I own a scanner. Generally it was easy to figure out exactly how much they'd pay you back--80-20 with a $125 deductible--although there were a few times with the wellness part of the plan that I didn't feel that they reimbursed as they should; my vet is NOT expensive and sometimes they wouldn't cover her basic charges. That being said, during my dog's final bout with cancer they were wonderful, even paying for his pt without a blink. They say to expect it to take 30 days for reimbursement, and it really will take the FULL 30 days. My main complaint is that the insurance cost skyrockets once the dog turns 7; I went from $60-80 per month to $180 pm by the end. That makes it really seem like a scam since I made almost no claims on them until the final year of my dog's life; it was as if they wanted me to cancel my insurance so that they'd never need to make a pay out. I've said "yes" here to the recommendation, but it would be with qualifications and I'm currently searching for a new insurer in case I get a puppy.