I recently bought a baby pomeranian home - my very first pet. My brother told me to get insurance because his friends has experienced illness/accidents that costed them a fortune. I decided to look up the reviews of multiple pet insurance companies and decided to settled for PetPlusUs. All i can say is that im truly thankful that i bought insurance early on because my puppy broke her leg within the first month of having her. PetPlusUs was helpful throughout this process on the phone and via email. In the end i was able to get back 80% of my surgery cost back (a check of slightly over 3k!!). My dog is all better now but had to go in for routine xray scans which cost $170 each time and I also recieved 80% of the costs back. Overall a great insurance company with great customer service.