I can't imagine what life would be like if I didn't have this coverage. It is worth every penny. I have had two major claims for my little girl. The first was orthopedic requiring specialist surgeries and rehab. The second was ocular that required numerous vet visits, one surgical procedure( so far) and a multitude of speciality eye drops. I had no problem getting reimbursed at all and all of the representatives are especially kind and compassionate.