I insured my standard poodle as a pup when this company was called Vet Insurance. She has had a series of problems, and they have been great. When she had bloody diarrhea because of a Katrina rottweiler we fostered (from fear, I now assume), they covered a number of diagnostic tests. Lately (she is now 8) she had her spleen removed because it had a mass, and 6 weeks later went into gastic dilatation volvulus (GDV - bloat and torsion) and had emergency surgery for that, and they covered a large percentage of both bills. The latter bill was about $3500, and they covered over $3000. And, because of the mail strike, they couriered the cheque to me. What I like about this company is that the rules for paying out don't change with the age of the dog, and that they don't take deductibles off the top before paying out. On the plan I have, they pay 90% of almost everything except the vet exam fee (and preventive stuff like dental care and heartworm). It's true that the cost to insure my poodle have gone up in the 8 years I've had her -- I used to pay about $24 a month, and now I think it's up to about $45 -- but I love the insurance, and wouldn't be without it. And I would have been afraid to go ahead with the surgery for GDV without it (the quote was for about $10,000, although the final cost was much lower). I recommend these folks.