I have been very pleased with this insurance so far and I have had it since 2007. I have had to take my dachshund to the emergency vet a couple of times for unexpected illness and/or injury and was able to use the insurance for those visits. I was happy with the amount I was reimbursed and the insurance has more than paid for itself thus far. I opted for the superior coverage, which does not include routine exams, vaccinations, etc., because the additional cost of adding that onto the insurance I chose is pretty much equal to the cost of those services at the vet each year. I didn't think it was worth it, since it wouldn't save me any money. I am so glad I have the superior coverage though and won't ever have to make the choice not to get a test or procedure my dog needs because of money. It's very reassuring to know that if something unforseen happens, I can take her right to the vet and tell them to do whatever they deem necessary. I have not looked into any other types of pet insurance, because this one was recommended specifically by my vet, so I'm not sure if there are others out there that may cost less or offer more than this one. Having said that, I am personally happy with this and would recommend it to anyone who loves their pet and wants to protect them.