I purchased this insurance for my 10 year old dog, and later that same month, he was diagnosed with terminal cancer. PurinaCare covered his surgery, chemo and ultimate euthanasia. I received the checks promptly and had no issues with it. I have coverage on my other dogs as well. No issues with them, thank goodness, but I'm glad I have insurance as a back up against big expenses like Roscoe had. It saved me thousands of dollars.