We have insured both our dogs and cat with the plan. For an indoor cat, we have never used the plan but I feel good knowing I have it. Some years I don't use it at all for the dog, and other years - like this one - we've used it a lot. Claims are processed quickly and the paperwork is easy. My only complaint is the "reasonable and customary" charges. We live in a very expensive part of the country. I don't ever get back 80% of my vet bill after the deductible. It's closer to 60%. Even with that, I'm still ahead this year and that's counting paying my premium for another 6 months.