We have had PetsHealth Insurance for all of our dogs. Not so much for the normal vet expenses -- in fact I frequently don't think to file a claim for those -- but as an aid for any accident or extreme illnesses. We had such an incident recently when 14 year old Belle Lune developed Vestibular Syndrome while she was being at the Vet's. She was treated in those initial stages with IV fluids and with antibiotics. Belle is now home and as recovered as she is going to be. Still can't manage stairs, but otherwise navigates fairly well. I put in the claim along with all requested records and received an email that informed us that everything had been received and that we would be receiving a check soon. and it took about two weeks which is a vast improvement over previous claim settlements.