Got my cat from a shelter. The shelter offered 6 weeks free trial of petsecure. After taking a month to review my claim for a simple cold, and multiple photocopies of drs and shelter paperwork. THEY DECLINED MY CLAIM. How is a respiratory problem not covered under your plans? Best idea for all thinking of insurance. SAVE 20$ biweekly in your own bank account, that way if you have to use it its there, if you don't its still your money.