First time doing pet insurance and so far they have covered exactly what they said they would. Covered $150 of her spade surgery and even hee flea and tick medication. I was surprised because I didn't think they would cover that. They also sent me a check within a week. So far I like the results. They were the cheapest insurance for our puppy Angel that we found and added wellness coverage to it as well. Wish it was a bit cheaper but down the road I figure it is a great investment for when our puppy has problems as she gets older. Totally recommend to others who have akc full breed dogs.