A friend recommended I get pet insurance for my new puppy Sofie2. Boy was she ever right! Sofie ended up in the animal hospital for two nights with some sort of gastro problem and the bill after ultrasounds, meds, and nursing care was about $1400! I was so relieved to have this insurance. The company refunded 80% to me without any questions asked. Just provided the documentation and in a couple of weeks received a check.