I have used 24 hour pet watch for over eight years now with my french bulldog Bowser. I have maxed by $5000.00 a year limit more than once and I have never had an issue getting reimbursed. I've never had an issue from day one and I thank god that i chose this great company for my best friend. Unfortunately he has had many surgeries as the breed is prone to this so he and I are both extremely thankful and he is living a happy and healthy life! :) Thank you.