My cat is fairly young and seems to act like an alley or scaredee cat! He is a tabby that gets beat up by another cat or a raccoon. He has come regularly with cuts or scratches that turn into abscesses. He has had one across his head, back , leg, stomach.... Thank goodness after his first cut I thought about insurance. He is lover cat that likes to wander. He reminds me of a court jester. I have been pleased with the handling of my claims. They are timely-except I never received the last claim check and had to wait and get they said a second check. I think the coverage is great. Also I was a little surprised that the last claim was paid lower than the first claim and I tried to talk to someone about it but it didn't make sense. I didn't want to push it but the injuries and treatment were identical but some of the claim was disqualified.