We didn't even know that pet insurance existed until one of our cats became suddenly ill with heart disease (HCM). We did everything medically possible to treat him and were left financially destitute. Our vet had asked us if we had any health insurance to help us with the bills which is how we learned that it existed. After much research we chose PetPlan for our remaining cat. We didn't know if they would live up to their policy statements until our cat was diagnosed with cancer. Thanks to PetPlan we have the piece of mind that she can get the care she needs without having to worry about paying her extensive medical bills. 8 months of chemotherapy later it is looking like she is almost in remission. We also have a dog with PetPlan insurance and I highly recommend PetPlan to anyone who asks. It took a couple weeks to receive a refund for her first claim but since then the turn around is about a week. Very efficient in my opinion. Also, the staff is always available and very helpful. He refunds have totaled over $10,000 so far.