I have had 24PetWatch now covering 4 dogs and 15 years. I have only had one instance where my dog was not covered and subsequently died from an undetected disease. I called customer service and they couldn't have been nicer. Unfortunately, I find that people do not read their policy throughly. ESPECIALLY, the exclusions. Suprises are almost never welcome. 24 PetWatch has been very user friendly, they acknowledge your claim, and tell you when the check is in the mail. I know there are other companies out there. Do your homework, compaire the way companies coverage works, not all are the same. I'd stay away from the "BIG BOX" vet office insurers. I will keep with 24 PetWatch.