Ultimately not worthwhile. For the amount paid into it and what's given out, there's always a reason for why that treatment doesn't qualify for payment. I'd rather just pay out of pocket as needed. This didn't seem to save me at any point. The treatments that are covered just don't justify paying into this policy. Even when I needed emergency surgery and tests for my dog I was pretty much left paying out of pocket. If I'm saving minimal dollars on the annual stuff, I would have hoped the freak incidents would be covered. Mine were not and I was left paying out of pocket. Not sure what the benefit to pet insurance is honestly. Doesn't seem to be worth paying into. I only had this as it was required by my apartment complex. Once I moved I dropped this. The people I dealt with were fine, but it just doesn't seem to be worthwhile in the end.