As far as pet insurance goes, it's not the cheapest, nor is it the most expensive you can buy. I gotta say, they are THE BEST. All of our claims are handled promptly and paid directly to us. When we couldn't afford to out-of-pocket for an entire procedure, they arranged to pay the vet directly. They never had a problem with us seeing multiple vets to have our dog treated. When she finally passed, they took care of the final expenses and even sent a sympathy card hand signed by the folks in the office that helped us. I highly recommend them!