I've had purinacare for both my dog and cat for a few years and I've never had any problems. When my dog got sick and the vet suggested Xrays and other tests everything was covered. They always pay claims quickly and cover almost all the procedures vets suggest to do (which I think is pretty rare for pet insurance). Its nice to know if something serious ever happened to either of my pets that the medical bills would be paid without any hassle. I'd strongly reccomend this product for anyone with pets.