I originally bought pet insurance after dealing with a financially draining emergency situation for another pet, thinking it would asisst in taking care of large emergency care costs up front should it happen again in the future. It is unfortunate to discover that not only does no care get covered up front, but it can take well over a month to be reimbursed. The large additional monthly payment for "essential care" seems to be hardly worth it as well, only covering about 40% of my routine care appointment. ($185 out of $406). I am beginning to regret picking up this insurance and may cancel before the start of my next term. its just not worth it for the amount of care, and the time it takes to get much needed help.