I have been with this company for over 7 years now - ever since I got my dog. At first they seem very reasonable. They process claims quickly and the prices are budget-friendly. At first. BUT, after about the fifth year they began to raise their rates dramatically. They say it has to do with industry standards, age of the pet, location etc. They offer higher deductibles to try to compensate, but they do not offer any sort of loyalty pricing for customers with them for any length of time. If you do choose this company for your pet ins. needs be prepared to get HAMMERED after the first few years. They get you comfortable with them and then its all bets are off. Feels a lot like bait and switch. Would not recommend.