I have an 1 year old English Bulldog. She had eaten a bunch of whole candy bars and was sick! However, my vet treated her for this, we found out the real problem was she had swallowed at some time prior, the top of a Kong toy and had a bowel blockage. We spent two weeks of doctors visits, treatments, xrays and finally emergency surgery. We thought we were treating candy bars not passing, but found the toy at surgery. I had used a claim for spaying, microchip and well check and was a bit disappointed in refund. When I submitted all the documentation it totalled $2900.00. I just received a checl for $2155.00 in the mail yesterday. I was SHOCKED! I was leary about the $53 per month fee, but had made now two claims and am a very happy client and pet owner to a healthy, but tenatious bully!