They're fine for average claims like wellness and accidents. But a major medical procedure like teeth-cleaning for cats is not covered. I also don't like how my latest claim was only reimbursed by a third of what I paid. Boarding your pets during a weekend vacation was also denied. I love my kitties and want the best care for them, and boarding them seemed the best alternative to leaving them on their own with a feeder tower, since they're still in the Getting-To-Know-You stage and tend to steal or fight over food, and I couldn't get anyone dependable to take care of them while I was away.