Will never have another pet without insurance. My Mosie developed a blood clot, had to be put in intensive care shortly after purchasing the insurance. He ended up dying. They paid for everything including the cremation. My Kali has a problem with her eyes and the drops are very expensive. She will be 18 soon and has had problems that come with aging. They have paid for everything, and make having a senior dog so much easier. One of the best things that I have ever done. They're wonderful!!!!