used to be the best pet insurer, back when they were about the only ones to venture into pet insurance. now, years later, every year they decrease coverage, add co payments, add exclusions and if you are with them thru the life of your pet it no longer is worth it due to rate increases ex. going from 800 yr to 1400the next and with caps of lifetime payouts or annual caps. also, they wont pay for annual exams or shots if you are even one day early in vaccinating them, so give up on being able to convenience set appts for multiple pets. in short, all pet insurers do this, knowing that you cant skip to cheaper providers due to exclusions of preexisting conditions and youre stuck. btw, I have 4 pets insured with them, with 3 others that have died. some over 12 yrs going. Im on the last year of coverage for two. The worst bit besides cost is that it takes now over a month for reimbursements. a few weeks to even acknowledge that they received the claim and leaves you pestering the poor vet to resubmit, resubmit. they do this cuz they have cut employees, and to take advantage of you forgetting to follow thru claims.