I discovered 24PetWatch through my union benefits and enrolled my dogs several years ago. Overall I've been very happy with their insurance. Recently one of my dogs dislocated a toe and it ended up requiring several vet visits and surgery by a specialist. Everything was covered with no hassle, which gave me peace of mind. Same when another of my dogs developed chronic pneumonia. His ongoing treatment has been covered by 24PetWatch, again with no hassle. In addition, they have terrific customer service, and I spent my career in customer service, so I know when it's good. I would definitely recommend them and have to numerous people over the years.