It has been a godsend for us. We claim for all of our chiropractic treatments and any remedial massage therapy we have - we get 80% back so it makes a huge difference when there are 3 of us having semi-regular chiro! Plus DS needs a new pair of glasses every year because he either grows out of the frames or he ends up bending them. And that's not even going into how much the dental cover has saved us!

BUT, if we didn't have any need to use those things then it wouldn't be of much use to us at all.