Over all, I have had a good experience with this insurance. I have a 10 year old and a puppy. I have been using the illness plan on my 10 year old and have been pleasantly surprised at the reimbursement I get from it. The reason for 4 stars comes from having a new puppy. I do wish that the insurance covered more for younger dogs. I was not able to be reimbursed for the total of the puppy shot series because I reached my max for vaccines. I don’t think that it was considered that puppies get 4 series of shots. The other is the flea and tick medication. I don’t get back my full reimbursement for that and I don’t think they have considered that most flea and tick prevention costs double what the insurance will cover. I think this insurance is great for older dogs for the coverage of any illness, but for new dogs I find that I am paying more per month for something I’m not utilizing.