When we discovered that Balon (siberian husky) had eaten a shipping bag I immediately called my vet and was told to bring him in. They did xrays with barium, and I was told to come back the next day to be sure everything had moved through his system. The next morning they did another xray and thank god it had all passed. The vet bill was $347.00 and recently I see on the website that they are paying $247.00. I know I had a 100 deductible so this is great. I really had to talk my husband into getting this insurance on both our dogs (we have a one year old Lab) so I was glad it has paid off. I too however do not like the pre existing conditions clauses.