I purchased PetPlan for Simba, my shih tzu, shortly after I got him. He didn't need it at the time, but having just gone through treating a cat with congestive heart failure who was NOT insured, I learned my lesson. I had no idea, though, when I purchased this insurance plan, just how invaluable it would be. Simba was only about 2 years old when he was diagnosed with pancreatitis. In the last year, he's been hospitalized three times because of it. The thing that is so wonderful about having this insurance(in addition to the fact that claim processing is very quick) is the fact that I don't wait to take him to the vet due to financial concerns. Ultimately, Simba has less overall risk, because I go to vet right away, before his symptoms put him in danger. In fact, Simba's vet remarked that most people wait too long before they take their pets with this disease in for treatment, and that is what really endangers them. Petplan Pet Insurance helps me to take that risk away.