It comes in handy for bigger procedures or emergencies (ones actually covered) which have happened maybe twice in 7.5 years. However it’s very frustrating to pay $100 a month (keeps going up) and when I submit a reimbursement form for one reason or another the stuff is not covered. I almost feel like I pay the monthly insurance for fun. Because there is always an excuse to not cover something. I’ve considered putting those $100 monthly aside and saving that money for when my dog needs something bigger (like an emergency etc). Because I feel like I’m paying a ton more than I’m actually getting coverage for. Feels like I pay insurance for no reason. I am overpaying, because I have the monthly insurance $100 and end up having to cover vet bills myself or get a ridiculously low amount of the bill covered, if any.