After 10 years without claims, insuring two dogs at a time, and not always the same two (they come and go), I finally submitted a claim for $240. After the $100 deductible, I called about the "co-insurance" of 20% ($48.00). What's the deductible for then! I get $92.00. They get $148! I paid about $12,000 in premiums over the ten years, and the only other accident claim I submitted 5 yr. ago (dog broke a tooth trying to chase a squirrel under the fence) they refused to pay b/c it wasn't "on the list of perils". Don't bother with insurance! If you have more than one dog, just self-insure. It will be cheaper in the long run, by a lot! I give them a "2" b/c at least they paid something, but I cancelled the policies, and I will self-insure from here on in.