We started with True panion not realizing everything that they don’t cover when we had out French bulldog Henry in to be neutered (which they don’t cover) and while he was put under we had his nostrils trimmed for breathing purposes, as well as the pallet in his throughly trimmed for the same reason. Frenchies have trouble breathing so putting them under is always a risk which is why we did it all at once. Long story short he got sick and True Panion didn’t cover ANY OF IT! we immediately switched to 24PETWATCH and haven’t had trouble since, and Henry has been to the ER at least 6-7 times since this initial surgery and every time I just submit the claim through portal and within 7-10 days we get 80% back saving us thousands of $$$. I highly recommend 24PETWATCH for any pet owners!