1. Incredibly slow processing. Don't know if they have no staff or no computers or?????????????? But they are sure fast to take your monthly recurring payment! 2. Expensive 3. They have an incredible ability to find reasons not to pay for annual exams or immunizations, etc. (Watch out if you have your dog's exam or immunization a day or two earlier than a FULL 365 day year. "Can't have two of something in one defined period." And their explanations take a lawyer to interpret. 4. Don't know if any other company is better BUT they certainly can't be worse! Stay away. I won't be back.