5 yr. old pomeranian with first gastritis, then pancreatitis having to be in hospital every day for a week and then a urinary tract infection all within a few weeks of each other. Each time I mailed a claim in at least 3 wks I had a check that covered a good portion of the bill. As we are retired, limited funds I had to charge at the vet. So it was wonderful to be reimbursed some. I feel the monthly premium was reasonable but it has gone up and it scares me if it were to go up each year if I could afford it.