We've been a customer for four years with three cats. We have a zero deductible, and the coverage is decently priced, but we just had a rate hike. While I wish it was more reasonable, we'll never leave. I've never had a claim denied. They are always there, always willing, always kind, ever -single- time I call for help. It really is that easy folks. Just get the ins. You'll be happy you did. Our cat has on going care and medication issues. All I have to do is submit the receipt when I pick up her monthly medications, they reimburse 90%. Done. What else do you need?