I have had 2-3 policies in force for various sets of basset hound rescue dogs since 1997. I read the find print when I signed up and I get what I expect. I choose not to spend a lot of extra money for the extra 20% others promise you. I have seen a number of other pet insurers come and go over the same amount of time. I am happy to get back 50% of my expenses. No mattter how you look at it, vet bills can get very expensive and I will chose to do things I may not have to care for my animals because I know that I can at tleast afford to do so by having this insurance. If you think that pet insurance should be the same as human insurance. think again. I work in health care and have for over 30 years. At least I don't have to argue with these folks to get paid.