My two year old Yorkie was sick and had bloody vomit and poop. We took him to the hospital where he stayed for a few days. It was great piece of mind knowing that when the vet asked if we wanted to have some of the more advanced analysis (i.e. x-rays from an external expert) that the cost wasn't weighing into my decision as much as it would have without insurance. My pooch had to stay there for two days and needed IV antibiotics, fluids, and other medications. Once we were able to take him home, he had three prescriptions as well. Overall, the bill was $1600 and over $900 of that was reimbursed. The claim was processed quickly and directly deposited into my account. Then I received a call from ASPCA asking how my dog was doing. You really can't ask for anything more in an insurance company.