This is a good insurance company but I have petplan for my new puppy and it is much more comprehensive. They do pay a good portion of my claims in a timely manner but there is a $100 per incident ded. and then the cover 90%. The other one is $50 per incident with a 100% coverage. My dog has a couple of reoccuring problems that they deducted the incident fee for each time. They are will to reevaluate it but they require specific wording from the vet. More headache then I would like to deal with and multiple vet visits for different illnesses can get costly throughout the year.