This is the first time we've had Pet Insurance. It is offered at a discount through my place of employment. So far, Trudy has been covered for about a month and I've submitted one wellness claim which was reimbursed very quickly! The folks I have spoken with have all been incredibly responsive and helpful. I wish I'd had the foresight to take it out sooner. Take my advice - if you're even thinking about it - DO IT - it's short money for piece of mind and a great company too! Employers - please see if you can affiliate and offer a discount to your employees. It's a great no cost benefit!