We recently had the opportunity to utilize our emergency pet insurance when our dog had an allergic, life threatening reaction to a bite or ingested object. I'm glad we have the coverage and will be reimbursed 90% after our $500. yearly deductible. The only criticism I have is that our regular Vet comes to the house instead of having an office. We naturally used him for follow up visits. His office visit is not covered since it's a house call. There should be a normal office fee allowed even for traveling vets. A Standard amount that they would pay if it were a vet with an office instead of an RV. Simply a normal and customary fee for this type of visit that doesn't exceed a regular office visit.