It is a nice protector for the areas it covers... Would of liked it to have covered the sides and bottom with the same protection the top has... 100% waterproof can't be accurate since it dosent cover 100% of the bed. And as for bed bugs they could still habitat your bed in my opinion. Gave it a 2 because I thought by the title and info I was getting a full wrap around zip up 100% waterproof and bed bug blocking mattress protector for an amazing price... Ya get what ya pay for.