I have insured Jake for the past eight years. Jake has had multiple problems and surgeries over the years and I have had ZERO problems with 24 Pet Watch. Once, I asked for a vet review of a particular claim item and it was performed quickly and to my satisfaction. The response time is terrific and thorough. They cover exactly was the policy says with no hassle or haggle. The only reason I rated it as a nine instead of a ten was the price, but you get what you pay for. In my case, 24 PetWatch has lost tens of thousands of dollars taking care of Jake, but has never hesitated to renew his policy. My dog is kind of famous, and many folks have asked about his insurance, including his vet, and I wholeheartedly recommend 24 PetWatch every time.