Used to be a great company until last year. I think they were bought by a different people. Now they're constantly asking more questions for simple procedures such as Physical Therapy, which is been done on my dogs using this insurance for over three years. But now they want all kinds of extra information, the people that work for the company in Customer Service are excellent, but the ownership sucks and my bill on two of my dogs went from $89 to $131 and $139 respectively. So now they take longer to pay back also, if I had a choice and I didn't have older dogs who have been with this company for eight years, I would definitely pick someone else.