A few years ago we took the plunge, if you will. We bought PetPlan insurance. I am a lawyer for over 30 years, and have some skepticism about insurers, sadly. In time we have found PetPlan to be (a) responsible, (b) responsive, (c) fair and (d) competent. If all insurers were like PetPlan, at least in my view, lawyers would have much less to do. Our believed golden has had two cancers - two surgeries - thankfully both successful, neither inexpensive. PetPlan paid their portion. The paperwork we had to get them was not unreasonable; the time it took them was fair. The payments they made are very reassuring -- some insurers take good faith with complete seriousness. That is our experience with PetPlan.