When the vet recommended pet insurance my immediate thought was not another bill. Let me tell you, this is best thing you can do for yourself and your pet! It is a simple, yet cost effective way of managing your pets health. In the event a major illness or if an accident occurs your not left to make the difficult decision of having your animal suffer or worse yet be put down because you cannot afford the major life saving procedure(s) that makes difference of a happier outcome. You decide your deductible based on what you can afford. It is not a one size fits all situation. Claims are handled professionally and the customer service is great. You speak to a human, what a concept! We tend to forget animals age faster than we do by leaps and bounds, sign up when they are young and enjoy peace of mind.