I have 4 pets, 1 with full coverage and the other 3 on just emergency/heredity. The eldest is now 8... And since he is a miniature dachshund we had concerns with his back. In Dec. Of 2010 he had a ruptured disc. With ICU, multiple attempts at the diagnosis, surgery to remove disc material & after care we accumulated over $6,000 in bills... Almost 6 weeks later another rupture... And another $2,000 in bill. We received back nearly 50%. The amount they covered was exactly what their benefit limits stated. When I send in claims for check-ups, heart worm prevention, or a major issue like a ruptured disc... Everything was handled well, accurately & quickly.