I have 24PetWatch and I have had only good experiences with them. They reimburse quickly, they are great to talk to on the phone. I fully expect that Aquitaine might age out this year as she is turning 10, and the CRF has been very pricey in just the 5 months since diagnosis, but my fingers are crossed that I am wrong. They even told me that they cover prescription food -- I had crossed it off a bill. I put in a claim last week and already received my call that the check is being processed and will be mailed within 48 hours. The price does go up each year as my girl ages but only by $2 per month so it is negligible. That said, it is still $49.50 per month (currently) so it isn't cheap but if I put away that amount each month, I would only cover the one claim I put in last week!