My dog has always been really healthy until a few months ago. After years of mostly basic health care, vaccinations, and check ups, my dog became very ill. She has required overnight stays, expensive tests and medications. I picked the middle plan so had a somewhat high deductible. But after meeting if, processing has been amazingly quick and simple. I wish it covered things like ambulance transportation if deemed medically necessary. This was a big expense, and had to be paid out of pocket.