My dog is family and I brought him from India. He needed a great overhaul since he was with caretakers for a period of 8 months. The first thing I did was get him checked with a vet and then get some insurance. I wont say that I very happy with the cost limit included for the services but then I do get at least 60% of the overall amount I spend back and when the little guy is over 8 years he needs more constant care and maintenance. The processing time quite fast though and the customer care time to answer questions is also quick.