I have a 5 year old cat who suddenly started having kidney issues that required lots of expensive tests and treatment. I have never thought of buying pet insurance but when I took my cat in for a routine check up 6 weeks prior to some kidney issues Pets Plus Us was offering a 6 week free trial of insurance so I signed up thinking "What's going to happen in 6 weeks?". Well! On the last day I was covered I happened to take my cat in for her kidney issues and I feel so lucky to have had signed up for the trial. They covered 80% no problem and so I went home and registered for a regular monthly plan. In my case, I am truly thankful for their coverage. And when I called to ask a few questions the staff were beyond helpful and pleasant.