We have had two cats under this provider for a few years now and there have been no problems, if something in a claim was denied they explained why it was not covered. One kitty has been fine with his health but the other started to have some issues and he went to see the vet more often starting last fall. We were pleased that we were able to get help during these times, pretty much how you would like an insurance company to be. Sadly our one kitty is not with us anymore but we did not have to make that awful choice to spend large amounts of money or let our loved one go early. Buy insurance for your pet(s) and we recommend Pets Plus Us.