I adopted a rescue dog from the HS where I am a volunteer. I didn't have a dog in 30yrs and things have changed with pet care now. I decided to take out the pet insurance to see if I would use it. The young dog I adopted has allergies and I have to give her one pill a day. The insurance covered must of the cost of the pill. She also had a yeast infection and those pills were covered also. I am happy I decided to get the Pet Insurance and now I don't want to be without it. The Hartville answers any questions you have, processes your claims in a short time and I am very pleased with them.