I had this insurance for six years for my dog. When I first got it, the premiums were reasonable and the coverage was excellent, but they slowly raise the premiums and lower the coverage to next to nothing compared to other companies. I'm fortunate in that I've only had to use this policy once and then it was for something very minor that I could have paid for out of pocket on my own. For what it's worth, I did get reimbursed fairly quickly for that claim.
I only realized how badly I was being ripped off when I got a second dog and started revisiting the coverage and comparison shopping. The premiums had almost doubled from when I gotten it six years ago, and the coverage had been reduced to about 10K per incident or something like that.
I found a new company after researching the options on this site. I was able to insure both of my dogs for the same premium I had been paying for my six year old with no annual, per incident, or lifetime limits and 90% coverage.
This company has already milked me for hundreds of dollars. I am just thankful I realized it before my six year old got seriously sick or injured.l
Cavalier King Charles Spaniel