My dog broke one of her back legs when she was a pup. She needed emergency care & an operation to in stall pins in the leg. Without this insurance these costs ($3000+) would have created a hardship on me finacially. I still had to pay the vet but knowing that I would be reimbursed for most of it really sold me on the insurance. One thing that would really improve the service is if the insurance would work with the vet's so their customers didn't have to come up with the full cost up front.