The good: easy submission of claims with quick claim review and direct payment to bank account The bad: your deductible is 120% of your chosen amount, because they only credit 80% of a paid bill towards your deductible, claiming the other 20% as a "co-pay" (even though the customer paid it). I have worked in human health care for 40+ years and have never seen an insurance company deduct a "co-pay" amount when calculating how much of the deductible has been met. The ugly: after 4 years of no claims, my premium this year doubled to $3,000 for one dog (I will own this as my mistake, as I did not check on the new premium before auto-renew occurred. It did not occur to me that the premium would increase by 100% - my bad)