After years of spending literally 10's of thousands of dollars on my fur babies, I finally smartened up and got insurance on my dogs as soon as I adopted them. After my "good dog" got sick and I discovered he had eaten many plastic bags, I finally put this insurance to the test. My dog had to have a barium study and an endoscopy to retrieve another bag still in his stomach! I will say I am quite please. After my deductible, all I had to pay was 20% of the bill. This amounted to almost $1500 of a $1900 bill! I highly recommend this insurance to anyone who wants to be able to provide veterinary care to their sick or injured pet.