TLDR: good for emergencies. Nurse line is good. Don't go to the vet till insurance is active. Having pet insurance is great. The claims process/interface is really easy to use and we typically hear back pretty quickly. We had an issue where our dog might've needed surgery and her emergency visit and x-ray were almost entirely covered. We've also used the nurse line a few times which we like a lot. My biggest frustration is that our dog's allergies are not covered. The day before our insurance took effect we had our first vet visit for a checkup/vax. We made the mistake about asking about paw chewing. As new dog parents we didnt know it could be caused by allergies, boredom, etc... Now her allergies are a pre-existing condition. Our vet disagreed with the ruling and wrote an appeal letter but no change. I 100% understand that policies are necessary but it was frustrating to have something seemingly innocent, the literal day before her insurance kicked in mean she will never be covered for her allergies.