We got our puppy insured a couple of weeks after buying him. There is a two week waiting period for illness, and we fortunately fell within that time frame. The insurance was handled in a timely manner, the people taking the calls were friendly and helpful and followed up on their promises in a punctual manner. We had our cheque within 3 weeks of filing two claims. They covered what the policy stated and I am at this point, very satisfied with this company. It took me a while to decide on which company to go with, and I do believe that I made a good choice.