Great the first year but then they REQUIRE you to let all your pet's vaccinations (rabies, heartworm, etc) lapse every year, even when your vet, boarding kennel, local laws, whatever require you to keep all vaccinations up to date without gap. If you happen to get your pet's annual vaccinations 364 days after their last, they will cover NOTHING! They will not apply your benefits forward, so the benefits are basically lost for the next year too. This applies to *any* annual service. It's happened to me twice now, leaving me on the hook for more than $900 in services they were supposed to cover. Increasingly consider this a waste of money. The vet said this kind of coverage refusal was absolutely unheard of, and recommended looking elsewhere. I plan to do so, and so should you.