I've read some pretty bad reviews for 24 Pet Watch. The big thing is to review the Terms and Conditions. I've been dealing with heart issues for our new adoptee and they've been great in telling me what's covered or not. On all covered items they've paid out. They have been quick to let me know claims are in process or if more info is needed. I like that they are more reasonable in monthly fees versus the others that are out there. I am really glad we have coverage in our big guy and that this gives us more financial backing to keep up with all his needs.