I hesitated to sign up for pet insurance when I adopted my little guy. After all, he was young and I pay attention to good nutrition, etc. But one day he was attacked by a larger (off-leash) dog when we were out for a walk. It was only after I rushed him to the emergency vet that I remembered I'd signed up for PetPlan a few years ago. When I picked him up the next day, he was full of bruises, open wounds, drains, and the dreaded cone! The vet completed the PetPlan paperwork, sent it in, and I got a notice a few days later and my check a week or so after that. To my relief, except for co-pays they covered everything, including follow-ups by my own vet. Now he's all healed up and happy. Thanks, PetPlan!