Soon after I purchased insurance for my new puppy and three days after being spayed, I had to take her to the emergency vet because she was throwing up. They found that she had swallowed something that would not pass from her intestine into her colon and they had to operate immediately. Somehow, she had eaten all or part of an acorn.The cost of this second operation was around $2000. Pets Best very quickly paid their portion of both the spay and the second operation. Needless to say, this was very helpful to me at a stressful time.