My 13 year old cat had a ruptured anal gland. I took her to the 24 hour emergency vet first, then followed up with a visit to her normal vet. I was reimbursed almost completely for her normal vet visit, but the emergency vet had some pretty high fees, so not everything was covered to the 80%. That's ok, though, I was glad to get back at least part of the money I had spent. I did feel like I needed to keep checking on the reimbursement though, because it took quite a while to get resolved.