I have had this insurance for 5 years. I purchased this when my saint bernard was a pup. I have only had to use it twice. But those 2 times were Great. They paid within a week. I also like the fact, I can actually call and speak with someone. The chat on their site is very useful. I am so glad that I have this insurance. It brings peace of mind to my family, that Milton will be taken care of properly. Thank you Pets Best!