They are ok if you have a medical need, but office visits no so good. My sheltie had gall bladder problems. He was taking mess that cost me over $100.00 per month. They paid very little for the meds and would not pay anything for the other months because they had paid all that they allow. I had to get 3 ultrasounds and had a hard time getting them covered! For the surgy they paid pretty good. They did help with that expense. If your pet has a long term or lifetime problem don't expet much help! I sign up for another year but I am going shopping for a better insurance!!!!