This is the second insurance company I have had for my Schnoodle,BJ. I was so unhappy with the first company after having them for almost 5 years. They denied a claim for a broken leg that had to be reset because of the Vet. This cost me almost $1000 because they refused to pay due to a repeat incident. So far I am tickled pink with this new company and have recommended them to everyone, even the Vet. They are very prompt in paying the claims and there is no hassle from them. Love Love them. I have had them a little over 2 years now and wouldn't trade.