Owning a dog was new to me - I didn't have a dog since l977.Things have changed since that time - dogs are treated more like people, getting same sickness and diseases. Since I volunteer at the Humane Society of Sarasota, I decided to get Pet Insurance. I believe the HS steered me to The Hartville Pet Insurance Co. My dog had bad allergies and needed medication, she had some soreness on her feet pads and needed medication, then she got a UTI Infection and needed medicaton. The Hartville was right on everything. They answered my questions right away and payment was fast to me. As anybody, I don't like to see my dog sick, but knowing the Hartville is there is a comfort, between the vet and medication it can be very costly.