I just recently purchased Pet insurance for the first time in April 2012. I had my older dog tear a cruciate ligament (which was very costly) so i thought I should consider pet ins. for the younger dog. I researched the different plans out there and found Pet Plan to be the best option for me. I liked that they would cover the dog for life should they become ill with a hereditary disease or congenital. They also cover the whole dog. Should something go wrong such as a cruciate tear on one leg they will cover the other leg should that leg have the same issue. There are restrictions but very reasonable. Unfortunately my insured dog got very sick and was finally diagnosed with Addison's disease. It was very scary but it was a comfort to know that I had the insurance to help with the cost. As she will need to be treated for life I am so grateful to have purchased this plan. They were very thorough and timely with the processing of our claim as well.