Overall, the cheapest premium I could find for me new puppy for the coverage I wanted, but it comes with obvious downsides. Those downsides include long window of claim review (often over 4 weeks) and once your claim gets reviewed, feedback isn't clear as to why it was denied. You then have to resubmit the claim and it takes another substantial window of time for review. Claiming window was marketed to be that long but it appears that year round they take that long. I would probably look around for a faster window from another provider if money is tighter for you. I'm okay being out that money for that long, but I would still look elsewhere once this year's policy is up. I would pay more for premium to get better customer service and better company practices.