Although not the least expensive of available options, the ease of submitting claims and the speed with which they are processed is quite outstanding. Phone support is also efficient, friendly and "above and beyond".
What is disappointing, however, is the fact that the examination fee is NOT covered. This is often at least 50% of the cost of a typical visit, so in reality, the deductible for each visit is the cost of the examination PLUS the policy deductible amounts per condition and for each year.
In reality, pet insurance is really for major or catastrophic types of medical claims. Think of it in that way. I doubt that very few if any people actually recover the premiums they have paid over the average lifespan of a pet from the claim payments you receive from the insurer. If you have the discipline to take the $100 per month in premiums and put it away in a savings account, you will most certainly be money ahead. It would also allow you to pay for one or two catastrophic type of injury or illness claims along the way. The only time it would be a net loss is if you have the misfortune of having a serious injury or illness early on in the pets life.