I did not get pet health insurance till my dog was older so I knew I would not get as good a coverage as when a dog is just a puppy. I knew what I was getting into, but have been ok with what I got back. Minus 100 deductible per year, 90% coverage for 'covered conditions'. I was grateful to get that money back. It is worth the monthly premium to have my dog protected for major health and/or accident incidents. I appreciate the detailed explanation once benefits are determined. I also greatly appreciated a follow up phone call to see how my Mitzi was doing.