I have 2 dogs covered and am very glad I had the coverage. When my youngest was only about 2 weeks past her waiting period, she had a severe allergic reaction to the organic mosquito control mist I used on my yard which required a very pricey trip to the Animal ER. Claim covered, no questions asked. Love the wellness program for vaccines, heartworm meds, dental care, etc. Did a lot of research before purchasing a policy and they are a little pricier than most, but the things they cover, the speed of claims processing and their great all around customer service is worth it in my opinion. I recommend it to anyone I know who is looking for good pet insurance.