I have 2 boston terriers who, thankfully, have been quite healthy. In the past 3-4 yrs. I have only had 3 claims. I like the choice of levels of coverage....my only disappointment (and I have not needed it yet) is that I did not understand about 'continuing coverage'. I will be adding that to my premium at renewal for both of my boys. The claims that have been accepted and paid (after my deductible) were completed quickly without hassle. My entire purpose to have pet insurance is to make sure I am not faced with not being able to give the proper care due to cost of the vet services. I feel secure having the insurance.