We've had this policy for the past 4 years, since her other policy wouldn't cover her after she turned 10, even though we'd had their policy for 8 years! With the other policy every time we had a claim they used the diagnosis to put a rider on the next year's claim so that it wouldn't be covered again. This plan has paid for all claims, subject to $50 deductible per incident and then 90% payable. They have paid fast and never questioned any claim. I highly recommend them since they pay 90% of the vet's fee, not 90% of the U & C.