This ismy first experience with Pet Insurance and I have been less than happy with the reimbursement ammounts. I have extra riders and supposedly the best insurance extras and they have not come anywhere close to paying what the policy costs. I submit a bill for $200.00 and I receive 20 or I submit 140 and receive 15. It is a slap in the face. This is on top of the 48.00 that I pay monthly for the actual coverage part. No thank you. I am cancelling after I receive my $20.00 from my $25.00 microchipping-once they recieve an invoice that they are finally happy with and then in 30 days I hope to receive something in the mail. I will take my money elsewhere thank you.