While researching pet insurance companies, almost everyone had bad reviews. Most had very specific dollar amounts for each service. Living in Boston area I knew my bills would be more for my purebred puppy. So far, they have paid our the wellness visits within a week! Not sure when she gets sick as she hasn't been yet but they have impressed me. I had called customer service twice with questions. Both times very professional and answered well. I do recommend. May cost a little more but you get what you pay for!