I rescued a 14 week old kitten from our local SPCA and he came with a free 30 days of pet insurance threw 24 hour pet watch. Upon bringing him home he got very sick and needed to go the vet twice within his first week with me. I paid everything out of pocket, had the vet office fax both claims. Nothing ever got sent to me saying they got the claims or approved/denied. I had to call repeatedly for a month, and sit on hold for a ridiculously long time jut to find out they had denied EVERYTHING both visits, because he had a fever. And fevers are not on the miniscule list of things they will actually cover. So despite his other issues, everything was denied due to the fever. This company is a joke and their customer service is even worse.