I chose this company because of all it's good reviews and wish I had not. This company is good if something catastrophic occurs but doesn't cover routine visits or preventatives, like heartworm medicines, etc. I have had to fight for every cent out of this company. I am already paying more than I did with a previous company but a lot was missed because they are a "paperless" company and do not send out hard copies of their policies and terms. Needless to say, I will be switching companies.