My Wife an I just about a year ago adopted 2 cats from a shelter. Our finances are like a roller coaster all of the time so I investigated Pet Insurance so if something ever came up I wouldn't have to worry if I had the money or not. I have the sliver plan 100% with a $100 Deductible. One of the Cats haven't used Pet Plan once since we have had it (still don't regret having it however because you never know). However the other one has made up for it. Back in Feb. She keeps getting Ulcers on one of her eyes. We would treat it and then she would scratch her eye or something and it would come back. Pet Plan has been great to us with this. Never had any problems with them questioning my claims or nothing. I just submit what they ask and they take care of the rest. My wife love our cats so much I actually call my pet insurance marriage insurance. If They were ever hurt or ill. My wife would kill me if I told her we couldn't afford it. With Pet plan I don't have to worry.