My morkie (2yr 5mo) was so sick out of sudden. He started to vomit and we found blood in his stool. We had to take him to primary vet and ER several times to find out what's the root cause. We did xray, ultrasound, and endoscopy. We spent a lot of money on this. I am really happy that I chose petpremium over others. The claim procedure is simple and reimbursement process is pretty fast (2 weeks or so). Few weeks after I submitted my claim, petpremium called and checked on how's my dog doing, which is really nice of them.