it was such a relief to know that as my cats progressed to the end of their lives (my girl was 12 at passing and her twin brother made it to 15), I was able to make decisions based on what was best for them knowing that I would receive financial assistance from their insurance plans. (I do agree with another reviewer though, that the "stacking" of pre-existing conditions is not helpful and I was fortunate that their illnesses happened to be contained within a plan year.) When I finally had to make the "big decision", it was because it was in their best interests, not for financial reasons. Pet insurance helped me make decisions in my pets' best interests, not solely based on financial matters. Also, the customer service reps have always been very kind and helpful and even the euthanasia claim was paid quickly.