Having pet insurance is a little new to me so I can't accurately compare it to other companies. I've filed two claims, one met a deductible and the other I was refunded a portion of what I paid - the biggest issues I've had are getting ahold of someone via phone (have sat on hold for 30+ minutes at a time only to end up talking to the wrong person and be transferred to again sit on hold) and claim processing times (was told up to 45 days for processing). They had also told me they requested info from my vet, and my vet had not received anything from them despite repeatedly providing contact information. I'm currently spending more monthly than I save with this insurance but time will tell how it goes moving forward. My claim was processed more quickly than they had told me it would be which is great but it was very disheartening to originally hear 45 days when I pay about $100/month for this.