we are very happy with the insurance. price is competitive, coverages gives you option to tailor to suit your pet, and what you see is what you get. no surprises in the years we've been with the company. the only change we've noticed is the time it takes to process a claim. I've been submitting medical records in hopes that would help speed the process but that has not worked. Submitted a claim a few days ago and was given a processing timeframe in September that went all the way out to the 21st. Not sure why processing times have increased so much. Perhaps this could be an area of improvement. Once again, we are very happy with the insurance and the company.