I have 5 dogs and 3 cats -- the dogs are covered, the cats aren't. This month, I had a new dog who needed spay and other services. I also had a cat with an infection. The cat ended up costing nearly $600, which is all out of pocket. The dog cost just over $300, of which I will get back $200. I faxed the claim yesterday and just was notified that the claim has been processed and my reimbursement will be on its way to my checking account.:) Maybe it's time to cover the cats.