We used our policy for the first time after two years of paying for our two dogs and three cats. A trip to the emergency vet for one of the dogs cost $800. We were reimbursed approximately $400. The "reasonable costs" seem to be the primary culprit. Perhaps the emergency vet does charge too much. Hard to say since we don't know how they determine "reasonable costs" for our area. But like all insurance, you're betting you'll get your money's worth; they're betting you won't. Only time and misfortune or lack thereof will tell.