I have this coverage on my Rottweiler, Alixis, for about 6 months. The premiums seem reasonable to me for the coverage provided. I was purchasing peace of mind. Recently I had to get surgery on my dogs foot, come to find out later it was cancer. After another surgery to have all the cancer removed I felt very satisfied and also felt that the reimbursement rates were clear and fair. If I could suggest a change to the coverage, it would be in the payback plan. If the pet insurnace could go to a more paperless system by sending back the reimburements to peoples bank accounts or CC that would be great. Overall, I have had a very positive experience with the coverage, and will purchase it again in the future.