I have this insurance for my two puppies and it has been a good choice for them. I was persuaded to take out a policy for my older dog too, and that was a mistake. Pretty much every claim that has been submitted for her care has been denied, so the policy charges have basically been a waste of money for me. If you have an older pet,make sure you get a thorough understanding of what will be covered (not much per my experience). Again, this review is only for older pets. For younger pets they are great.