I obtained the policy after we brought home a bouncing 30 pd English Mastiff puppy. My vet recommended the policy due to the high cost of medicines for this breed. So far I am fairly satisfied. It does take a while to get reinbursed but you are notified immediately that they have received the claim. Would I like to receive more back, sure. I would prefer more flexibility with what's covered. For instance, my dog was neutered at 6 months. If I was to drop that, then it drop to lower covereage and I can't take the chance on that. It would be nice to replace the one time neuturing and increase the reinbursement somewhere else.