I decided to research Pet Health Policies after a $2000. vet bill for a 7 month old puppy spent 5 nights and days in Hospital, nearly not making it. I've had a Pet Plan Policy for my sweet Abby a 4 year old Papillon ever since. Within the first three months, I had another medical expense, and entered a claim. I was quickly refunded the cost of Xrays and veterinary care after deductible. I have since added another Papillon to our family, and another Pet Plan Policy. I feel a sense of security, knowing if the worst happens, Pet Plan, and its team of fine pet friendly staffers will be there to help me. If you are not comfortable with doing everything online, you can call and get personal assistance.