For most of the time, I have not paid attention to the policy at all. The coverage for routine exams is nothing spectacular, and I tended to pay for them and ignore it. However, this past autumn my cat became terribly sick. An inner ear infection migrated to the optic nerve. His right eye sank in, he stopped eating and he could not stand up. Treatment included two weeks of hospitalization with intravenous antibiotics, and ran to over $3,000. I sent in the bills just hoping to get covered for whatever I could, and was amazed to find that most of the expenses were covered. If not for Petshealth insurance, I am not sure where the money to pay for all this would have come from.