My goodness where to begin. Well, we have had Petplan US insurance on all three of our Australian Shepherds for about 4 year now and we could not be happier. If you are looking for insurance for your pets you can NOT go wrong here. We have had several claims through the years and NEVER had an issue with a claim. Petplan pays in a VERY timely manner, the customer service staff is TOP NOTCH, and the rewards program ( refer a friend ) is an added bonus. Our three Aussies are our Family!! and we NEVER want to have to make a decision about our pets health based on money. And with a great Insurance plan we don't have to. From a slab fracture of a tooth, to sinus infection ( that was a long ongoing thing for several months), to an unknown virus that put our youngest in the hospital for a week, (he is absolutely wonderful now,).. Thanks to our wonderful vet and to petplan for taking the worry about money out of the equation.. Go Pet Plan IS the way to go...