Our dog "Rocky" contracted pneumonia and the most expensive part of the treatment were prescription medications. According to the website it appears that under their standard plan prescriptions are covered. What they don't tell you is they have a max treatment plan for each condition. That means for every condition your pet may get affected with they have a maximum amount they will pay out. For pneumonia they have a max of $275 under the "standard" portion and gave us approx. $100 additional for diagnostic testing under the "well care" plan. Total cost of treatment/care claims submitted: $3200! Total re-imbursed $375! Buyer beware!!!