My 3 year old Yorkie has spent a night at the emergency vet twice for unrelated problems. The first time I had no pet insurance, but the second time her expenses were covered 100% less the deductible. What a treat to receive that check in the mail after the second visit. Since then, she has had two (also unrelated) trips to the vet, with their office filing my claims, and both paid 100%. The insurance coverage is well worth the premiums, and the personnel are excellent and informative when you call for information.