Izzie, our 5 year old next month schnoodle has just completed her 1st. year of coverage. She had 3 issues during the year, 2 of which needed emergency treatment. She decided to open a Xmas gift early while home alone, and helped herself to the M & M candy inside. The other issue being attacked by a neighbor's dog, which required 3 staples in her backside. Our insurance coverage came in very handy, and we were happy that we had it. Customer service could not have been nicer, and the claim forms are very simple to fill out. It was handled quickly. I guess we broke even with the money we received from the insurance company, and the money we paid for the coverage. We are not pleased however, that when we were auto-renewed there was a $100.00 increase in our coverage. We will keep it this year, and if there is another big increase that you don't know about until it is already renewed,---Well--- "The Jury Is Still Out".