My dog has been relatively healthy but this year, 2012, there have been a plethora of vet bills from an ACL rupture and two UTI infections. They have been so helpful and quick with reimbursement. It helps when you have a lot of claims to keep track of! In my review, I'm including what has been spent so far in 2012 and there is more to come. They are covering accupuncture and hydrotherapy as an alternative treatment. I'm hopingit works and if it doesn't they will still cover the surgery. I had a horrible insurance prior to this one over 4 years ago. It is like night and day. Just make sure you read your policies fine print so you understand everything. It is quite simple but Board Certified Specialists are at a slightly different. I think this is the best insurance out there! I have referred 3 friends so far.