My dog suddenly got lethargic and was whining when I hugged him or touched his tummy. He would not touch a goodie I gave him this dog is usually a real food grubber. I called Banfield (having had the insurance for a year or more and not used it for anything but shots and teeth cleaning). It was two hours prior to themclosing their doors for the night. They told me to take my dog to the local emergency pet center; they had no openings for emergencies or anything. Why have insurance if the facility refuses to take a dog in an emergency. I had to spend over $500 to have my dog diagnosed. Banfields is good ONLY for the basic shots and teeth cleaning. All else is a crap shoot dependent upon the vet you are seeing.