After being on United Pet Care for 3 months, my Pomeranian got into a large cup of bailey irish cream. Within a 1/2 hour my dog was having convulsions and couldn't even hold up her head. I rushed her to the vet. The United Pet Care Vet kept her for 3 days. They had to do 2 blood transfusions and pump her stomach. My baby had alcohol poisioning. The Vet bill was $4,500.00. Since I get my savings at the time of service I only had to pay $3,355.00. I saved $1,145 dollard right on the spot. I will NEVER use regular insurance again. I had regular insurance in the past and you pay for everything up front and wait 6-9 month for reinbursements (if even covered). With United Pet Care I did not have to worry weather the procedures were going to be covered. They cover Everything!