Last Memorial Day weekend, we rushed our sweet little Molly, a 2 1/2 yr old Malti-Poo, to the Animal ER after a sudden occurence of bloody diarrhea and vomiting. She immediately had extensive testing and rehydration. After spending the night she was released to be further evaluated by our Vet, who kept her another night for further treatement. Thank goodness Molly was back to her old self within a week. The bills for treatment were about $2000. We submitted our claims and within 3 weeks, PetPlan reimbursed all our expenses minus $50. co-pay.(We have the GoldPlan with 100% reimbursment and $50. co-pay.) Bottom line was Molly received the life saving care needed and PetPlan paid the claims...just as advertised! I highly reccomend PetPlan insurance because you just never know when your pet will need care.