Our golden Retriever was enrolled with PetPartners at eight weeks and continued until her death at exactly eight years. Claims were easy to submit, either by mail or electronically. Payment was always consistent with the policy coverage and exclusions; so no surprises. I had the very best policy with maximum coverage. At her demise the vet bills exceeded $10,000 of which PetPartners reimbursed me $6,000 and even sent condolences at our loss. This insurance is by no means the least expensive one can buy but over the eight years but they have been consistent and I estimate that we received more than we paid in premiums, especially at the last claim. I plan on using they again for our next puppy in August 2015.