I have 4 pets with coverage. I've had minor things happen, and lately a bigger deal when my dog was diagnosed with hemmorhagic gastritis and vomiting. We had him to the vet several times for everything from diagnosing, treating, hydrating, ultrasounds, special diets, and internal medicine consults. We are arond a $1,300.00 bill so far, and not done yet. After submitting a very simple form after each visit, we were re-ibursed 90%. That's it. It was that simple. No arguments or hidden problems, just our money back. I've had the same experience every time I've submitted a claim. No hassles, no questions, no worries. The only drawback I can see is that my dog will require a more expensive prescription diet for life, and the insurance only covers 50% of that cost and only two months of coverage is allowed. That's kind of frustrating, Very, very happy with the coverage over all though. Took the stress out of giving my pup the things he needs to get better. I highly recommend this company.