I've had 24PetWatch since I upgraded from the gift of insurance. The rep in customer service was very helpful with breaking down the coverage under the gift. The gift was to help with the infectious diseases the pet was exposed to at the shelter and if I purchased coverage would extend beyond that. I purchased right away knowing the risks I was taking with just the gift and sure enough my pet suffered from a gastro bug that the gift wouldn't cover but my purchased policy did! I obviously didn't get 100% of my money back but the reimbursement sure helps! I read a lot of the comment below and I think people need to read more of the material as the rep explained the coverage in the gift was explained when I was activating it online (I just clicked and clicked and didn't read) so I think with a bit more research people will see the benefits of the insurance in the long run!