Let me start by stating that I was skeptical about dog/pet insurance, but I followed my wife's suggestion to purchase it when our golden retriever, Dawson entered our life. It has been one of the best decisions we have ever made...the insurance is straight forward, no gimmicks, and the reimbursement checks are mailed promptly. As promised our expenses have been paid at the 80% rate once our deductible was meet. The past two months Dawson needed two surgeries that cost over $12,000 and I have already been reimbursed the $10,000 without any hassle. That type of service can not be beat. More importantly, their claims department was able to pre approve us for peace of mind. I will never change companies! I can not say how lucky we were to have Purina on our side. They are the best because of the level of service they provide, have several plans, and provide fast reimbursements.