We bought Petplan insurance for our baby pug Pablo when he was 8 weeks old five years ago. He was an anniversary gift for my wife (who later passed away 3 years ago at the age of 47) when he was 2, She loved him like one of our children. We always said, 'someday if/when something serious happens we hope this will prove to be a good investment'. Last month just after Pablo's 5th birthday I felt a swelling on the right side of his throat. After taking him to his vet he went into an emergency breathing fit and had to be rushed to the closest real animal hospital in NYC to be placed into an oxygen cage and stabilized. He stayed the night and later had emergency surgery to remove the mass and check for cancer. He was in the hospital overnight and I stayed there for 5 days to make sure he knew he was not alone in case anything happened. The surgeon told me that pugs are always in jeopardy of dying on the operating table because of their natural breathing issues. So they had to do a tracheotomy at the end of the surgery just to make sure he would wake up. He was in the hospital for 5 nights total. The total bill was just over $10,000. Petplan just sent me a check for over $9,500 with absolutely zero questions or issues. It has been the best money I have ever spent. If you don't have PetPlan insurance buy some today. It saved Pablo's life.