Its very simple. I am a college student and I dont have much money. I called and the lady I spoke with assured me that the insurance I was getting would cover ALL puppy shots and the neutering. It was an expensive monthly payment, but I figured it was a good deal since they would cover ALL THE PUPPY SHOTS AND the NEUTERING. I get the puppy his shots and got him neutered too. They covered LESS THAN 1/3 OF THE TOTAL COSTS. I took a HUGE hit financially because of this. I am cancelling my insurance with them. ABSOLUTELY NOT RECOMMENDED!!!!!