My policy for my dog had lapsed during the pandemic and I did not know it. I called because it was two days before my regular renewal of her pet health insurance coverage. They showed that I had not paid last year's policy. "George" was very patient and helpful in securing a new policy for me going forward with a cumulative deductible instead of one per occurrence. In addition, for a nominal fee we also got routine care with no deductible. I would certainly recommend this company. That is why I have had this insurance for my dog for the last 12 years.