We got pet assure for our animals and found a participating vet nearby. Pet assure gave us a discount on the visit but not vaccines or medications. Then, we had to take our dog to the ER in the middle of the night since our vet was not answering and there was not one nearby in the plan. We had to pay everything out of pocket and PetAssure specidifically responded to this telling us there was no claims processing as they were a DISCOUNT PLAN and NOT INSURANCE. Be warned! If you don't have nearby participating emergency services, you are basically on your own.