Over 10 years in the life of the dog, I paid over $5000 more in vet bills than I got reimbursed, plus the $7000 cost of the policy over 10 yrs. So, I lost $12,500 when my bills were only $8700! One $1100 visit to a heart specialist was reimbursed at only $460. One $2200 bill was reimbursed at $684. All these were legitimate veterinary expenses and I was shocked at how meager the reimbursement was. I won't recommend this company, and won't use it for other pets.