My cat needed a full mouth extraction just a few months after the mandated waiting period when I first signed her up. I fully expected a lot of hassles when I filed my claim but they paid everything they said they would (minus the $583.89 deductible and the co-pay). It was a $3,339.22 surgery and they paid $2,755.33 of it. I'm glad I signed her up. Caveat: They did require proof of a dental exam within the previous year that didn't diagnose periodontal disease or stomatitis, to rule out pre-existing conditions. I had done that so I was fine, but they do have that requirement.