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so for me personally and everyone depending on where you live itll be a little different so for me the shorter term emergency situations um no I dont think that it covers all of the expenses for two main reasons usually Im paying out of pocket for daycare because I havent established where the child will really be going on a daily basis and I havent gotten coverage for that um and where I am they do pay for daycare but sometimes you have to be on a waiting list or find it and also Im usually purchasing an entire wardrobe and that can get expensive especially older kids you know their clothing shoes accessories just cost more than for babies and so when I have lots of kids coming in and out um Im still doing all of those things and where I am it just doesnt cover all those expenses