At the first and second vet visits for my rescued 7 month mixed labs in 12/13, the vet suggested picking up pet insurance. I did not have that with my previous lab which over her 13 years had knee replacement surgery, cancer and other misc medical issues along the way which easily totaling upwards of $20K. I took the advise and evaluated the many companies, selecting PetPlan. I am super glad I did. We've had one foreign body ingestion surgery and a UTI issue. The company has been awesome in processing claims. So far, I have had no problem at all - I submitted the claim form with medical history and payment has been promptly made on each incident. The customer service representatives are courteous and helpful. Looking back, I was hesitant to take on a monthly premium for the insurance but Petplan has been there saving me thousands of dollars.