First puppy looking for insurance had a free month with pet plan but not as happy with there ongoing prices. After looking at several sites this one seemed a good price for what we needed. Having a new puppy we hope it will be along time before we need to make a claim so will have to see how they perform when we need to, other reviews looked positive. Please to see they can pay the vet direct which is a positive. The only negative is they don't seem to have a loss or theft/find cover, if they had I would have purchased it as you here so often these days about dogs being stolen