My cat Bono developed a blockage and we had to rush him to the vet. The bill was almost $800, ouch. Our options were that or putting him down, which I can't even fathom. It was nice to say just do it rather than stressing if we can afford it or not. You do need to pay up front, but you get it back within three weeks which is convenient. I was pleased to see there were no loopholes on why it wouldn't be covered, you just fax the paperwork and you're all done with the process. Now I can I have my Bono around for a lot longer. Thank you Pet's Best.