We purchased pet plan insurance the minute we got our kitten and it has paid for itself a hundred times over. Most recently our cat, now 4 years old, was bitten by a dog and we were faced with 2 surgeries and treatment totaling more than $8,000. If we hadn't had our pet plan policy, we surely would have had to put her down. It sounds dramatic, but it our case, pet plan saved our pet's life. The claim process was fairly simple and the customer service is great. I can't recommend them enough.