Not sure how this REALLY works.. I'll leave another review once I speak to someone about my reimbursement I was supposed to get . So far I spent right around $3,000.00 on my baby's emergency vet visits and her regular vet visits.. I paid in full out of pocket and when I received my reimbursement check ( shall I say TWO checks) I almost wanted to cry.. all together both checks they sent me didn't even add up to $150.00. I'll be calling tomorrow and figuring out what is the deal with this insurance and if I will be opting out and taking my business somewhere else. This lil girl is my life.. that's why I have always had some kind of insurance on her, but if this is what they have to offer, I don't really find any real help or real need for them. Hopefully the next review will be figured out and more on a positive note. That's all I really want..