the Insurance portion is good, albeit pricey. It saved us when our, then 4-year-old, German Shepherd had his accident. It was a huge help with those bills. The annual coverage is not as good as we expected. The limits do not cover the full cost of annual checkups or vaccines and tests for the dogs, as needed. We have a higher coverage percentage which is a plus from time to time. I am not sure that the yearly cost of almost $2K is warranted though. Our dogs are fairly healthy so they don't require much "extra care" outside the normal day-to-day. We do have 3 dogs and 1 cat on the policy, and I just reduced the coverage on two of the animals due to an increase in the cost of the insurance.