I have several cats and dogs as I do rescue work. I cannot afford to insure all my pets but have opted to cover my 4 dogs (3) Corgis and (1) Dachshund. The coverage has helped as a few of my dogs have had chronic issues (Lypomas, allergic dermatitis) and other minor issues but did incur alot of vet bills. Often times the entire payment of the bill is not paid as *within reasonable costs is cited, but I guess there has to be an "average" for the medical coverage as some vets tend to be more costly than others. Overall, I am satisfied. Time will tell as my dogs age and possibly get more health issues.