Pleased to have the money available for our vet emergency but still a shock to have to pay for the vet and the GST. This left us out of pocket a significant amount. However, it made it bearable and doable to help our kitty. Wish there was an automatic 'pay directly' option as opposed to having to pay up front. The high costs make it prohibitive at times and makes it stressful to have to borrow from others.