I really love this insurance and have advised my vet's office multiple times to spread the word. I have an English Bulldog which is prone to breed specific illnesses and this is the only insurance I could find to cover him. I get 90% of the money back for all covered things and it is very hassle free. The fact that I can fax my claim and have the money within a week is another thing I am great full for. The only thing I'd like is if the actual vet exam was covered if the exam is for an illness or something other than a typical visit.