My one year old terrier was ill with diarrhea. She was diagnosed with coccidia. Since she was within days of her annual vaccinations, the vet opted to give her her shots that day. The claim was submitted and I received a check for $0.05. My appeal was submitted with documentation from the vet stating her care plan. The appeal was rejected. I saved money by not having 2 office visits. I will find another company that does not put me in the position of jeopardizing my pet's health.