OK if your cat is ill between 9 and 5 . My cat had a possible life threatening illness of Blocked bladder syndrome. After discussion with the out of hours vet, he said, I will be at the surgery in 5 minutes'. Fortunately, the cat had something not quite so serious, but had I not acted and he had Blocked Bladder syndrome as suspected, the cat would be dead. Animal friends refused to pay out the claim, as it turned out not to be life threatening. When I asked them should I have let my cat die then, they did not really have an answer. READ THEIR SMALL PRINT VERY CAREFULLY. IT COULD COST YOU DEAR!