They have provided what they promised. The explanation of benefits is clear and concise. There are many options for coverage. The only negative is the amount of time it takes to get a claim processed. This is especially onerous when you have to pay out of pocket (essentially using a credit card) and then it takes over 30 days for the processing and interest fees are incurred while waiting on the reimbursement. The piece of mind it provides is priceless. Since we have insurance we can offer our fur baby options for treatment of his brain tumor and possibly give him another 12-18 months of quality time. That is worth a lot.