This is the insurance that was recommended by my Vet. I did read the website information and it looked pretty comprehensive. I don't know how they get Vets to recommend them when it appears there are better companies out there. Stay away from the CareGuard insurance they offer. It is much cheaper to just go ahead and pay for the annual exams and everything that is marginally covered in that plan. I had their Superior Plan for the illness and accident coverage. They reimbursed less than 50% on claims and disallowed many tests and items. My anniversary date is coming and I will not be continuing with this company. I am looking at other plans with other carriers.