My Papillon was in bad shape, Kidney stone, Sepsis, Pneumonia, required 10 days in-hospital care at University of Penn in Philadelphia. The estimates started at 6000 but as her condition unfolded and surgery became necessary, heart specialist and surgery teams, the cost went up first to 12000, then the Estimate hit 18,000.00 I lost a husband this year, I just could not face losing my little dog. So out came American Express Green, and I paid each estimate as needed and the bill when she was finally released to come home! Merry Christmas! But the story does not end there. Pet plan paid the initial veterinary bills from the first visit to nearby Emergency 24 hour hospital minus my deductible and 10% as declaration pages state. I have word that a check is being cut for the 17,000 - 10% but do not have complete information as yet. But Guys! Pet Plan does work!