Our little Schnauzer had two horrible accidents this year within 2 months. One accident, she jumped up on a picnic table and engulfed half a roasted chicken plus some plastic bags and a lotta bones. Pancreatitus resulted. The second accident a huge pit bull pulled out of her collar and leash and attacked her. We have used up most of the alooted amount for the year which is 5000. in our case. I wish we had also taken out insurence for drug prescriptions. But even without that, we got a huge amount of expenditures reimbursed in a short amount of time. DIrect deposit is very handy. Everyone is so nice on the staff!