They lied to me on the phone and said that if I pay $71 at least they would set me up on a payment plan. I had 2 days until my payday, I paid them $91 and they said they couldn't do a payment plan. My 5 month old GSD was in bad shape and they wouldn't help. I had to rush her to Zimmermans office were they did everything they could. She was too far gone and to dehydrated and quit fighting. But at least they tried. I do not recommend Keystone to anyone with an emergency!