I've had coverage for my cat since he was 6 months, he is now 5.5 years old. The insurance has covered quite well even when he somehow ingested a long blade of grass and it go stuck in his nose and sinus cavity. He was choking and needed immediate attention. The scan and procedure was upwards of $800.00. I was reimbursed the 80%. I was very happy to have the insurance. The thing that got me was the hike in premium from $24/month to $46/month due to a new underwriter. I guess the insurance companies take advantage of not being regulated. That was an extreme jump in price. My be we need to begin a movement in this country. I don't like being used. I recommend them if you can afford the premiums. I'll be keeping them, but still looking around.