In general they have been good about paying out claims, although they are often slow about it. However, I was angered to learn about their policy that limits you to a certain amount of incidents of the same kind within a same period. They denied an emergency claim saying that my dog had been to the ER too many times in a certain time period for similar issues. This an absurd policy. Their defense was that it is in the fine print, but they do not put this policy anywhere that is obvious or easy to find when you are signing up, so we were blindsided and left with a large bill for something that was a faultless accident and emergency that we could not ignore. This on top of all the pre-existing conditions that they won't cover, a sad truth with all insurances, means that they are basically pointless for us to have at the moment.