Our 1 year old fox terrier/sheltie mix was scratching her ears terribly when we brought her home from an NC no-kill shelter. It was a nasty yeast infection. I filed a claim for the vet charges with the ShelterCare 30 day policy that was provided by the shelter. The balance minus our deductible was reimbursed promptly within a few weeks after sending in the claim. I was pleasantly surprised by the promptness and ease of filing the claim. I would consider renewing the policy after the 30 days provided by the shelter but after calling the ShelterCare number I understood that they would not accept titers in place of vaccinations. They require standard vaccinations to be able to insure a dog with them. Unfortunately I use titers rather than vaccinations for my dogs which will prevent me from continuing a policy with them. That issue aside however, I would give them a good rating for honoring their 30 day coverage provided by the shelter.