My chihuahua terrier mix was bit by a pitbull (sorry pitbull owners) and was in the hospital for 5 days. The bill was $1600 and received little more than half of it back, which we were thankful. I'm happy with the response time. I wish the reimbursement for preventive care such as heartguard and vaccines is more. I also agree with Kelly regarding the pre-existing conditions. Even so, I still recommend to my friends.