I cannot believe that an insurance company of any kind can be as thoughtful, caring, understanding and FAST as this company. My dog Kismet survived cancer and then a year later went through kidney failure. Treatment went on for over 2 years and this company paid EVERYTHING (after my deductible) fast. My vet is a firm believer in all natural supplements and they even paid for that as well! The bills ran into the thousands of dollars and not once was I ever treated with anything but respect and compassion. I did finally lose Kismet to liver failure about a month ago. Not only did I receive a pro-rata refund but also a condolence card in the mail. I highly recommend this company! I still have another dog covered by them and am planning on getting a puppy in another month or so. You can bet that it will be insured as well.