First experience with pet insurance - have 5 pets. Breeder offered voucher and while coverage under voucher was limited, once I signed up for full coverage the service has been amazing. My puppy has HOD and our therapy costs are over $1000/mo. Covered per my policy at 80%, no hassles, questions and very helpful advice about how to benefit from this plan. The advocates are prompt, compassionate, knowledgable and efficient. One piece of advice, try to set up your coverage 48 hours before picking up your pet, and get full coverage, not a voucher program. I almost did not renew after the voucher, but so glad I did. Puppy is getting the best possible chance for good health thanks to this plan!