One of my dogs "ate" a rug that he had completely ignored for years. Thinking back, I believe it was because my other dog, who eventually succumbed to bladder cancer, may have been leaking small amounts of blood onto the rug, which was her favorite place to snooze. In any case, my poor boy ended up with a linear obstruction and needed emergency surgery. Pet Plan was great, and of the overall cost of about $4000, $3100 of it was covered. The 9 rating is only because no one's perfect and I'd like to see the companies pay hospitals up front rather than reimburse owners.