Among insurance companies I would rate Pets+Us highly because not only do they consider every claim very carefully, but they actually listen when you have concerns that they did not address at first. They are most willing to speak with the treating veterinarians as well as the customer and are always happy to answer either phone calls or emails. Coverage is very good for alternative care - not capped as many companies do, and while not everything is covered Pets+Us are very happy to tell you ahead of time what they will and won't cover. I also appreciate the military discount and ability to change coverage as needed. Only downfall is sometimes I do wait several weeks for a claim perhaps due to the complexity of my dogs health issues. I am happy to say that most alternative therapies were covered after some clarifications ! I would like to see a type of bonus reduction in premiums for those of us who keep our dogs fit and holistically healthy -:)