I was skeptical when I first signed up for basic accidental pet insurance for my 2 cats who are both indoor/outdoor cats. But so glad I did. Hoover had food poisoning and became ill. I had to take him to the vet when he did not get better which he finaly did after the visit. Even though the claim was only about $300 I was impressed that they did not give me a hard time and that they approved the claim. Since then I have upgraded my pet insurance with ASPCA for full coverage. Their customer service was efficient and courteous.